Search found 2350 matches

by lightheir
Mon Jul 01, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5686

Re: Are you a serious DIYer?

I honestly think a huge part of it has to do with how much free time you have to tinker with stuff. I love DIYing stuff, but since have so little time to do it, even near-trivial tasks like replacing easy toilet parts takes hours (wrong part, multiple trips to stores or UPS returns, looking up stuff...
by lightheir
Tue Jun 25, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4638

Re: Am I falling into the trap of judging everything through cost lens?

Honestly, I only just started to not view everything primarily through price, and the main reason is that for the first time in my life, I feel that I have a reasonable claim to true disposable income. And I'm 44. It's honestly just hard for me to spend extra money on things when the spectre of fund...
by lightheir
Tue Jun 25, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3265

Re: Anyone make their own tortillas?

As an aside, there is nothing wrong with lard. The anti lard was.he result of a successful marketing campaign by synthetic food oil companies in the 70s and 80s. Fat is actually now seen by a lot of reputable modern dietitians às GOOD. Sugar in contrast is the enem, far more addictive and nonsatiati...
by lightheir
Sat Jun 15, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 3820

Re: Mosquitos

If you don't like the smell of deet try picaridin based sprays for skin. Just as effective and almost no smell.
by lightheir
Mon Jun 03, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8724

Re: Does money/lack of money preoccupy you?

I'm going to check out NYAB...but can you tell me what it does that Mint or Quick Books doesn't? I tried the Mint budgeting - too primitive, you'll stop immediately. You need some mildly sophisticated budget tools (easy move money around, easy to make/drop categories, easy to move budget month to m...
by lightheir
Sat Jun 01, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8724

Re: Does money/lack of money preoccupy you?

OP, This may or may not help you. I came from a culture where the average gross saving rate is 30+%. So, we saved our 30+% gross income and spent the rest. We do not need to budget because we "Pay Yourself First" in term of saving. We cannot spend the money that we do not have. We probably only go ...
by lightheir
Sat Jun 01, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8724

Re: Does money/lack of money preoccupy you?

OP, This may or may not help you. I came from a culture where the average gross saving rate is 30+%. So, we saved our 30+% gross income and spent the rest. We do not need to budget because we "Pay Yourself First" in term of saving. We cannot spend the money that we do not have. We probably only go ...
by lightheir
Sat Jun 01, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8724

Re: Does money/lack of money preoccupy you?

I've been very good about not worrying/messing with indexed investments. Having a busy life helps with that! However, for those that find themselves overobsessing about their investments (and daily finances), I would definitely recommend YNAB (You Need a Budget). I'd heard about it for years, but fi...
by lightheir
Wed May 29, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1749

Re: Recommendations for a budget TV

Tcl Roku 55 inch 4k tv.

Rtings.com recommends it. It's legit,.I have one.

Note that for 4k glory you will need a 4k input source, Netflix charges extra for this.
by lightheir
Wed May 22, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4197

Re: Senior management/executives

At the risk of being really unpopular/devil's advocate here, and without knowing the full details, I'd say the approach this with nuance. Too many social justice warriors make these things a black or white issue, and too quickly bust out the pitchforks at the first offense, when in reality you just...
by lightheir
Wed May 22, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2576

Re: Wiper blade replacement

I have been replacing my wiper blades with beam style Anco Contour blades. They are typically $7-9 each plus shipping at RockAuto.com. I think they work very well and are easy to change. https://www.rockauto.com/en/parts/anco,C19BB,wiper+blade,8852 Yeah, those are the blades I used that honestly, t...
by lightheir
Wed May 22, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4197

Re: Senior management/executives

At the risk of being really unpopular/devil's advocate here, and without knowing the full details, I'd say the approach this with nuance. Too many social justice warriors make these things a black or white issue, and too quickly bust out the pitchforks at the first offense, when in reality you just ...
by lightheir
Mon May 20, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2576

Re: Wiper blade replacement

I will add - I asked a question on BH forums a few years back about whether pricier 'premium' wiper blades were better than cheap ones that cost less than half the amount. Nobody seemed to have an opinion on it, so I went cheap on Amazon. That blade totally, utterly sucked. If anything, it was WORSE...
by lightheir
Thu May 09, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5698

Re: Anybody try the Blue Apron or the like?

I have no financial interest to disclose - but my cousin told me about "cook smart" - its very similar to all the other services, but they don't send the food. You choose the recipes and it makes a grocery list for you (if you live near a big city there is a link for grocery delivery if you like) -...
by lightheir
Wed May 01, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 87
Views: 5834

Re: bike helmets

I'm myself 100% for helmets in ALL situations bike, but especially not to be neglected when riding over 15+mph (like during training or downhills) or mountain biking. I too used to think it was 'stupid' to not wear a helmet for years, but then I was introduced to the reality of European bike commuti...
by lightheir
Tue Apr 30, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Defective audio port on new laptop
Replies: 15
Views: 729

Re: Defective audio port on new laptop

I know there's sunk cost fallacy realities here, but given you've spent significant time troubleshooting the port, I'd send it back for the motherboard replacement. Had this been a computer of at least a year old, and that was the only thing wrong with it, I'd just have assumed the jack was broken a...
by lightheir
Fri Apr 26, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Folding bikes: Go Brompton or cheaper?
Replies: 27
Views: 1985

Re: Folding bikes: Go Brompton or cheaper?

OP, I have a $300 Dahon single speed folding bike and a $1,700 A2B Kuo+ Folding electric bike. So, in my opinion, you should either go for a 7 speed Dahon folding bike ($300 or lower used) or at $1,000+ range go for the folding electric bike. I do not see a reason to buy a $1,000 folding bike (non-...
by lightheir
Thu Apr 25, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4953

Re: How far would you commute?

I commuted 108 miles each way five days per week and sometimes twice in a day. I did it for a job I loved and for the money that allowed me to retire at 49. After 15 years I was burned out from the early morning, late nights, long days, tense all-weather driving, etc. In addition, I missed my kids ...
by lightheir
Thu Apr 25, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Folding bikes: Go Brompton or cheaper?
Replies: 27
Views: 1985

Re: Folding bikes: Go Brompton or cheaper?

If there is no reason to get a folder, it's more hassle than it's worth. They also use somewhat nonstandard equipment (20" wheels, parts, etc) so more of a hassle to repair/maintain. The Brompton is lovely but you pay a big premium for the fold and lightness. I'd say Brompton for dedicated commuters...
by lightheir
Wed Apr 24, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5174

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

Gonna say it. GET THE MESH!! Seriously, do it. The moment I got one it instantly removed ALL my network issues and questions and problems it just works, and really well.onitoring it is a cinch as well - wayyy easier than any router I have used. And better range then even my $150 range extender.which...
by lightheir
Wed Apr 24, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4953

Re: How far would you commute?

For me, it's more about the stress of the commute than the time. If it's a totally no-traffic, stress-free and scenicish drive, I'll take 60 mins of that over a 40min high stress merge-in-dense-traffic commute any day.
by lightheir
Tue Apr 23, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Buying a TV
Replies: 32
Views: 1292

Re: Buying a TV

TVs are so inexpensive and high quality now that you could do your whole setup in flair under $500. A 32" TV goes for $150 nowadays, for example. Bigger ones cost only a little more. Just go for it - TVs today are a no-brainer cheapo purchase unless you go super premium, which will be unnecessary fo...
by lightheir
Tue Apr 23, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Where to buy a movie (Amazon/Google/iTunes/PS)?
Replies: 35
Views: 1501

Re: Where to buy a movie (Amazon/Google/iTunes/PS)?

I'm not afraid of tech, but having briefly toyed with ripping DVDs to HD format, it's an utter waste of time and energy. Just pony up the extra few bucks and download the darn thing in all its 4k glory if that's what you're after. Time is money.
by lightheir
Wed Apr 10, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2206

Re: Add more value to undergrad application during high school

Sorry but times have changed. I graduated near 2000 and o feel that my info is already woefully obsolete. Paying for your own college with a side job today is almost ludicrous. Athletic or academic scholarship,.maybe. You would find it a whole different world with a whole different set of standards...
by lightheir
Wed Apr 10, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2206

Re: Add more value to undergrad application during high school

Honest question, when did you graduate high school? In the mid-1970s. I took 3 AP courses in high school and in college jumped right into sophomore level Organic Chemistry, Quantum Physics, and Differential Equations which allowed me to complete college in 3 years because I took more courses than o...
by lightheir
Wed Apr 10, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2206

Re: Add more value to undergrad application during high school

Honest question, when did you graduate high school? In the mid-1970s. I took 3 AP courses in high school and in college jumped right into sophomore level Organic Chemistry, Quantum Physics, and Differential Equations which allowed me to complete college in 3 years because I took more courses than o...
by lightheir
Wed Apr 10, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2206

Re: Add more value to undergrad application during high school

Get a job. I believe one of the reasons that I was admitted to every college I applied to was that I had a full-time job of more than 40 hours a week in high school. I got a letter of recommendation from my boss who I am not even sure graduated from high school himself before joining the Marines an...
by lightheir
Tue Apr 09, 2019 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Just general comments for a 22 y/o on financial position
Replies: 40
Views: 7384

Re: Just general comments for a 22 y/o on financial position

You are doing great. But still be wary - I too started indexing at age 21, reaped the benefits of a huge long term bull stock run but since I didn't start with 200k+ from day one, my bogleheads gains were far eclipsed by added income, to the point I'd be lying to say the BH philosophy has been more ...
by lightheir
Mon Apr 08, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 5269

Re: Solution for a thick wallet

I went to a minimalist wallet several years ago after being annoyed by wallet-bloat as a man. I was afraid I'd regularly run into situations where I would bemoan not having one of my cards or cash with me, but it has probably happened only twice in the 3 years I've been using it, and it was no big d...
by lightheir
Mon Apr 08, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 19581

Re: Talk me in/out of $35k Tesla Model 3

I'm getting pretty tired of debating people like you who aren't informed on these topics and yet hold absurdly strong beliefs. I follow Warren Buffet who said, "on wind energy, we get a tax credit if we build a lot of wind farms. That's the only reason to build them. They don't make sense without t...
by lightheir
Fri Apr 05, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Definite roof leak - roof inspector or roofing company?
Replies: 16
Views: 1298

Definite roof leak - roof inspector or roofing company?

Ok, I admit I am totally piggybacking off the other Roofing thread up on the same forum (that one regarding $650 roofing estimate), and I just had to ask my own question rather than derail that thread. I have a definite leak in my roof. Luckily, the water seems to be running out to the overhang befo...
by lightheir
Fri Apr 05, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Is there value in conversation/communication books?
Replies: 15
Views: 930

Re: Is there value in conversation/communication books?

I will disagree about crucial conversations. It was one of the best communication books I have read.
by lightheir
Thu Mar 28, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Favorite Chess App for Windows 10
Replies: 5
Views: 437

Re: Favorite Chess App for Windows 10

lichess.com website or phone app. Play against the computer on levels 1-10, or study tactics or games. Play actual humans online from blitz to slow games, and even get an ELO rating if you want to against them. If you decide to be more than a very casual player, you can go very deep with CPU analysi...
by lightheir
Thu Mar 21, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 32
Views: 3061

Re: Google fi users - happy with it and recs?

What's an example use of these 'free sims?' just to make it obvious to me? For example, how would a teenager in your family use this, or even a friend or family member?
by lightheir
Thu Mar 21, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 32
Views: 3061

Google fi users - happy with it and recs?

I'm seriously thinking about switching to Google fi from Republic Wireless. I suspect my Moto X phone won't be directly transferable, but my phone is 2 years old now and I'm fine with going for a new Google Pixel or some other fancy phone. Are you google fi users happy with it? And for you Google Pi...
by lightheir
Mon Mar 18, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4261

Re: Slow cooker vs Instant pot........

I have both. I don't use my (giant) slow cooker a lot. I use my instant pot even less - nearly never! My issue with the instant pot is that it doesn't save me any time at all. It claims very often to have recipes with '5 minutes of cooking time!" but that totally misrepresents the reality that for t...
by lightheir
Sun Mar 17, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 385
Views: 56535

Re: Good Modern Science Fiction

Stranger in a strange land was one of the worst sci-fi books I've ever read.

I will def admit that I am younger than his era and thus the tropes of the day used on that book seem totally dated and ridiculous to me, likely because I don't relate to that era.
by lightheir
Fri Mar 15, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: zenni customers: upgraded coatings or blokz lenses worth it?
Replies: 20
Views: 4375

Re: zenni customers: upgraded coatings or blokz lenses worth it?

lightheir - thanks for all the detail! :D I thought I was a loyal Zenni's customer...but I don't hold a candle to you. Really appreciate the updated info. Don't even get me started about reminiscing about my $700 retail-store glasses with no special options.....grrrrr!) Tell me about it....but no o...
by lightheir
Fri Mar 15, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: How do you confirm that bills are successfully paid?
Replies: 38
Views: 2460

Re: How do you confirm that bills are successfully paid?

I can't believe how much extra work people here make for themselves. I use almost all 'pull' draws from my bank accounts to pay bills. I've never had a single problem with these pulls in the last 12+ years. And I have a lot of bills! I do check my ledgers on mint.com to make sure nothing has 'slippe...
by lightheir
Fri Mar 15, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: zenni customers: upgraded coatings or blokz lenses worth it?
Replies: 20
Views: 4375

Re: zenni customers: upgraded coatings or blokz lenses worth it?

Man, I just looked up the prices of my last Zenni purchase (which is working great, as have my other prior 3 pairs which I still have - just like to mix it up!) Oleophobic anti-reflective was $14.95 for me. TOTALLY worth it at that price point. You really should just get it, as it noticeably works c...
by lightheir
Thu Mar 14, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Switch from average day care to fancy one?
Replies: 31
Views: 2062

Re: Switch from average day care to fancy one?

Happy and next to house >>> fancy schmanzy degree day care with a 30in round trip time
by lightheir
Wed Mar 13, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8003

Re: Bright daughter wants to work for nonprofit

Daughter is 3 years out of college. Very bright. Graduated from a top college in Business. CPA. She has been with 3 companies and did well in all. Companies loved her. She has a very bright future. However, she recently decided that she wants to work for a nonprofit. She was upfront with her curren...
by lightheir
Wed Mar 13, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8003

Re: Bright daughter wants to work for nonprofit

High performance at a lower-paying nonprofit >>> mediocre performance at a big name business firm when you hit the advancement phases of your career, particularly the peak earnings phases. Don't let the short-term goals cause you to to lose the much bigger overall life financial (and happiness) pict...
by lightheir
Mon Mar 11, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: PC Games
Replies: 32
Views: 2671

Re: PC Games

I think you should first go with what you have and take a deep dive (and it will be DEEP) into Civ6. It's refined, polished, balanced, and looks simplish up front but gets devilish complex once you start playing for more than a few hours. I actually play Civ6 on a Nintendo Switch, which works remark...
by lightheir
Sun Mar 10, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: zenni customers: upgraded coatings or blokz lenses worth it?
Replies: 20
Views: 4375

Re: zenni customers: upgraded coatings or blokz lenses worth it?

The oleophobic is great. I love it compared to the regular scratch less coating.

Don't spend the Megabucks for the fast photochromic; the MUCH cheaper regular photochromic works just as well and I can't tell the difference ( and costs over 2x less)
by lightheir
Mon Feb 18, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 24268

Re: The Fall of Consumer Reports

Another very real thing to consider with items reviewed Consumer Reports as well as other items which are well-reviewed in the marketplace: With today's internet era, information is widely accessible. So things that get good reviews (especially ones with very good reviews, and reliable ones over lot...
by lightheir
Sun Feb 17, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Blu-Ray drives vs DVD drives for data storage and archiving
Replies: 59
Views: 2815

Re: Blu-Ray drives vs DVD drives for data storage and archiving

It's def a complex problem. Storage size aside though, has anyone here has a problem with retrieving old Gmail files or attachments? Seriously Gmail has been amazingly reliable for me despite not even planning to use it as a backup source. I'd use it for everything but the size of family videos and ...
by lightheir
Fri Feb 15, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Blu-Ray drives vs DVD drives for data storage and archiving
Replies: 59
Views: 2815

Re: Blu-Ray drives vs DVD drives for data storage and archiving

You should consider ARCHIVAL Blu-Ray. But straight Blu-ray is already pretty good as mentioned above. Hate to break it to you as well, but using nonarchival DVDs and hard drives are a poor method for long term data storage. They have a really high failure rate. I know at this point you'll say "you'v...
by lightheir
Tue Feb 12, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1208

Re: Black Fly Protective Head Gear

You can do the same thing as 'insect shield' for much cheaper by just buying a big jug of Permethrin on amazon ($50ish) and dunking/spraying your hiking clothes in them and drying out of the sun. Use clothes that will be really permeated with it - you're not going to just spray the outside. If prope...
by lightheir
Tue Feb 12, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: separate computers for specific purposes--how many and for what?
Replies: 35
Views: 2717

Re: separate computers for specific purposes--how many and for what?

The only real segregation you need to worry about is: 1. Public (like a library or even work) vs home (private) computers. The public one could have all sorts of bad stuff lurking on there, whereas the risk of that is much, much lower on your home computer. Don't do banking or other sensitive stuff ...