Search found 2248 matches

by lightheir
Mon Jun 18, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 26
Views: 1876

Re: How do you read books?

There is a big difference between reading a book versus studying a book for knowledge retention. I am very good at reading books for knowledge retention. There is no shortcut it, and it takes a ton of work, no different than studying 4 scientific subjects in college or graduate school. Lots and lots...
by lightheir
Fri Jun 15, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3642

Re: I am STUNNED over how much help my friends recieved with house purchase!

In many HCOL areas, it's nearly impossible to buy a home without substantial family assistance/donations. I have a 2 doctor household, and there was still no way we could afford a house on our own earnings in this HCOL area despite good salaries for what we do. My parents bailed us out big time. And...
by lightheir
Thu Jun 14, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4898

Re: Rowing machine motivation

I use the loop app to track my exercise daily. Categories I add are strength (lifting/yard work/shoveling), cardio(swim, run, ski, row), stretch (yoga). I exercise daily, but don't spend a lot of time doing it. Also use it to track diet. 3 categories. No grains, no sugar/juice, no Vegetable oil. I ...
by lightheir
Wed Jun 13, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4898

Re: Rowing machine motivation

I use the loop app to track my exercise daily. Categories I add are strength (lifting/yard work/shoveling), cardio(swim, run, ski, row), stretch (yoga). I exercise daily, but don't spend a lot of time doing it. Also use it to track diet. 3 categories. No grains, no sugar/juice, no Vegetable oil. I ...
by lightheir
Wed Jun 13, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4898

Re: Rowing machine motivation

I use the loop app to track my exercise daily. Categories I add are strength (lifting/yard work/shoveling), cardio(swim, run, ski, row), stretch (yoga). I exercise daily, but don't spend a lot of time doing it. Also use it to track diet. 3 categories. No grains, no sugar/juice, no Vegetable oil. I ...
by lightheir
Wed Jun 13, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36433

Re: Bogleheads, tell me about your 40's?

It looks like there is hope yet!!! 40s are the new 30s right?? https://www.outsideonline.com/2312831/quest-run-sub-four-minute-mile-age-40 I'd literally go so far as to say 50s are the new 30s. With the advances in medicine, science, and training methodologies as well as the booming market for adul...
by lightheir
Mon Jun 11, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36433

Re: Bogleheads, tell me about your 40's?

I've learned that people wayyyy exaggerate how much of a toll being 40 is physically compared to being 20. I am actually greatly enjoying my physical capabilities as a 40 year old. Yes, it's true you can no longer take things for granted like you do in your 20s. In your 20s you can eat garbage, neve...
by lightheir
Mon Jun 11, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2383

Re: How much to invest in elementary education?

...If you believe that drug and alcohol abuse does not occur with the students who are most able to flex their privilege and financial resources, then you are kidding yourself... I never said that, and don't believe it. What i do believe is that private schools have many fewer discipline problems, ...
by lightheir
Sat Jun 09, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?
Replies: 27
Views: 2123

Re: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?

I'm always wary of too good to be true plans having been baited and switched by legit companies too many times. Amongst those are: Amazon unlimited cloud storage - got you in then antear later, bye bye unlimited Republic wireless refund plan - bye bye I could go on - I strongly suspect if the math d...
by lightheir
Sat Jun 09, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4898

Re: Rowing machine motivation

I have a treadmill, and find the mental aspect of using it really difficult. I use podcasts, but it is mentally challenging to stay on it for half an hour. But I treat it like brushing my teeth. It doesn't matter if I enjoy it, it is just something I need to do for health reasons. Just getting star...
by lightheir
Thu Jun 07, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 806

Re: good place to buy window curtains

I can't believe how much custom and even brand curtains cost.

I got really good blackout ones on Amazon for $40 that I installed myself and was very easy to do.
by lightheir
Wed Jun 06, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2775

Re: Home Reno, your objective opinion please.

I gotta say what everyone else is thinking.

Late 30s and like 5million+ in assets? Dang I'm in the wrong business! :shock:

I'm also surprised you're choosing Reno of all places with that kind of income and asset base. Curious why you chose there of all places.
by lightheir
Sun Jun 03, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2478

Re: Need to replace my Vizio TV..............

If the audio outs on your TV works, you should just add an external audio system like a soundbar. At 55" of size, you NEED a better audio system than the rockbottom budget ones that come with the TV. If it were a smaller 32" TV, ok, you probably sit close enough that the built in audio is fine (or i...
by lightheir
Tue May 29, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 815

Re: Thinking past results are reliable

Prob a little more complicated than that though. GSW are an all time shooting great team, playing defense against that when curry is on Nova mode will distract you hugely from normal shot efficiency due to fatigue and mindset switched from defense to offense.
by lightheir
Tue May 29, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 815

Re: Thinking past results are reliable

Prob a little more complicated than that though. GSW are an all time shooting great team, playing defense against that when curry is on Nova mode will distract you hugely from normal shot efficiency due to fatigue and mindset switched from defense to offense.
by lightheir
Sun May 27, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2733

Re: Near commercial level treadmill

BUBear29 wrote:
Sun May 27, 2018 4:17 am
I was also going to recommend Woodway. Excellent running machine
$10k+ for a new Woodway AND a heavy-duty nonstandard power outlet required. :shock:
by lightheir
Mon May 07, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6244

Re: How much car to buy on $250K income, $200K NW, newborn on the way

abracadabra11 wrote:
Mon May 07, 2018 8:09 pm
Surprised by the high bias here.
I would aim for $15-20k.
$15k is def in budget econobox territory for new. We aren't going high at all!
by lightheir
Sun May 06, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8306

Re: What career for smartest kid in the class?

I retired from Cardiology 13 years ago at age 54. If I were doing it now, I would choose a career other than Medicine. The average med school debt is $195,000, and we have turned physicians into professional students. If you start med school at age 25 and want to be a Cardiology subspecialist, you ...
by lightheir
Sat May 05, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: What do you pay baby sitters?
Replies: 53
Views: 5172

Re: What do you pay baby sitters?

Hcol 20-25 per hour for one really well behaved kid.

Seriously, at these rates I don't know why all the young women out there working restaurants and secretary gigs don't just up and grab this easy money instead.

If I don't pay this much, the sitter invariably flakes out when you need them most.
by lightheir
Fri May 04, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2169

Re: Car rentals, what is the catch?

All these replies and virtually no real comment on what the actual "CATCH" is of these super-lost cost places by anyone. Having used a few, there definitely are real catches that you have to be aware of, and which in my opinon, make it well worth it to spend the 'normal' amount and go Hertz or other...
by lightheir
Fri Apr 27, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 5852

Re: How can I get a passport?

I just did this for my 7 year old daughter. You DO have to do it in person for the daughter, and if one parent can't make it, you have to get a notarized form (on their website) to document that you approve. At least where I live, I was able to schedule an appt online for the local post office, so i...
by lightheir
Tue Apr 10, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38780

Re: Name something you bought that wasn't cheap and glad you did

Home x1000. Bought in the insanely priced SF Bay area at the low. I wish I could say I was prescient, but I nearly talked my wife out of buying, so I can take no credit. :oops:
by lightheir
Tue Apr 03, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3008

Re: Health club memberships

That BCBS was a very good deal. I have many, many YMCA clients and they average $50-$70 per month for a single adult membership (visiting different locations). If I were you, maybe search out a club that is near your work or home and get pricing. There are multi-access memberships such as ClassPass...
by lightheir
Sun Mar 25, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Google Drive & iCloud Drive
Replies: 11
Views: 772

Re: Google Drive & iCloud Drive

I also find it sheer paranoia the number of people who are afraid to upload -gasp TAX RETURNS, gasp OLD FINANCIAL STATEMENTS - because someone MIGHT IMPERSONATE ME! No WAY!!!! Seriously, get over yourselves. Nobody wants your boring tax returns, nor do they care one bit about your old financial stat...
by lightheir
Fri Mar 23, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Does the value of my home matter?
Replies: 21
Views: 2819

Re: Does the value of my home matter?

You definitely will want your home to not lose a lot of value after you buy it

A big reason - you will be locked out of refinancing your home loan if your house is worth less than your loan.

Also, more obviously, as mentioned above, it makes it harder to move/relocate if needed.
by lightheir
Wed Mar 21, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: We made the right decision to not purchase a home now, right?
Replies: 47
Views: 4140

Re: We made the right decision to not purchase a home now, right?

There is no perfect answerhere. Renting cheaply is great, especially at your 540 rate which us ridiculously low to me. Buying carries real risk, but as a primary residence, has huge benefits as well as limitations. I find that on bogleheads, foka are very conservative financially which is fine, but ...
by lightheir
Fri Mar 16, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5249

Re: Bicycle Commuting in LA - Thoughts?

@GCD - I see your point, but I still don't think you have the scenario completely right. As a good bike commuter, you will control your riding environment to a great degree - choice of road (safe side roads, etc.) and time of day (early), and skill are all huge factors. It could even be argued that ...
by lightheir
Thu Mar 15, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5249

Re: Bicycle Commuting in LA - Thoughts?

There are some very enjoyable rides in LA, and they are much safer earlier in the morning if you want fitness rides. There are many great groups to ride with which is much safer. Once your fitness level increases I highly recommend riding Mandeville which is off Sunset. Speaking of Mandeville: http...
by lightheir
Wed Mar 14, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3172

Re: Tips on saving on living expenses for a first time single householder

I got some tips for you, hopefully they'll be helpful! - Learn to cook. SIMPLE things, don't go out and try to be some awesome star chef. If you can make SIMPLE meals, you will save a lot on food and time. Simple like buttered pasta with parmesan, or black beans and rice, PB&J, etc. It'll be health...
by lightheir
Wed Mar 14, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3172

Re: Tips on saving on living expenses for a first time single householder

I got some tips for you, hopefully they'll be helpful! - Learn to cook. SIMPLE things, don't go out and try to be some awesome star chef. If you can make SIMPLE meals, you will save a lot on food and time. Simple like buttered pasta with parmesan, or black beans and rice, PB&J, etc. It'll be healthi...
by lightheir
Tue Mar 13, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5249

Re: Bicycle Commuting in LA - Thoughts?

Don't listen to everyone saying to commute with bicycle. LA is not the place to be riding a road bike. I used to be an avid cyclist ($5k on a bike and rode 200 miles per week) when I lived in NY. There were plenty of roads in Westchester and Long Island that were relatively safe to bike on. Even pa...
by lightheir
Tue Mar 13, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5249

Re: Bicycle Commuting in LA - Thoughts?

Find thyself a bike route. Explore on Google maps. Get thee a mountain or cross bike. You can go across grass, curbs, gravel, etc. Almost all car bike accidents are road bikes. Riding on the roads. A mountain bike will be a solid base and you can ride more upright, see better with head up, and take...
by lightheir
Mon Mar 12, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5249

Re: Bicycle Commuting in LA - Thoughts?

I live in the LA area. I would only consider biking if the route had dedicated bike lanes. Otherwise, you will become a statistic at some point. I bike commuted in the UCLA area for 4 years. Honestly, it's all about finding the right time and right route that is safe and convenient on a bike. Not a...
by lightheir
Fri Feb 23, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5529

Re: Boglehead Flashlight?

This $25 Terralux flashlight is every bit as good as the pricier $30 2 x AA LED flashlights listed above, including the one recommended by the Wirecutter. I've had mine for 7 years now, and it's just as good as when new. It uses the same CREE-LED technology that all the top LED lights use now in thi...
by lightheir
Thu Feb 22, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5529

Re: Boglehead Flashlight?

If you haven't bought a flashlight in 29 years, you'll be shocked at how much brighter and every efficient they are now. Like 10x better in some cases.

Look for a cree led bulb light, can't go wrong and is very reasonably priced. The bulbs last basically forever to you will never need to upgrade.
by lightheir
Sat Feb 17, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11928

Re: What has been your most important skill in achieving financial independence?

Hate to say it, but saving and sheer frugality to good amounts of saving has been terrible compared to significant increases in income. Remember that if you are super frugal, it becomes difficult to find a partner who may be willing to mtach your level of frugality. Especially while dating - are you...
by lightheir
Fri Feb 16, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 4184

Re: used Prius

Most times I get behind a Prius on the interstate my commute extends by 5 minutes. Get one that moves faster. Wanna really move fast? Get in line behind a Prius at the gas station. :D This is actually true. My Prius fuels to full in half the time of most cars, my wife's similar sized Audi included....
by lightheir
Tue Feb 13, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10089

Re: Job is starting to suck the life out of me.

I'll also add that you gotta count your blessings as well. As someone above mentioned, have a paycheck at all beats the pants off of having zero paycheck and zero offers. As well, an 'indifferent' environment beats the pants off of a toxic and abusive environment. There are quite a few folks trapped...
by lightheir
Mon Feb 12, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 46
Views: 2834

Re: Mesh wifi solution sought for new house

Just get a 3-pack Google wifi, or 3-pack Orbi, or even one of the other current-gen mesh network units. Just using this setup alone has a 90% chance of covering all of your needs completely, the first time out. So, you’re suggesting one unit per building? The two other buildings are pretty far from...
by lightheir
Sun Feb 11, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 46
Views: 2834

Re: Mesh wifi solution sought for new house

Just get a 3-pack Google wifi, or 3-pack Orbi, or even one of the other current-gen mesh network units. Just using this setup alone has a 90% chance of covering all of your needs completely, the first time out. In the small chance that it's not reaching where it is supposed to, just buy a 4th unit (...
by lightheir
Sat Feb 03, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 5079

Re: Life Balance of spending and saving

Get the pool. With 4 kids you will love it.

No need for you to penny pinch in your good financial situation. You only live once!
by lightheir
Fri Feb 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9435

Re: WHY do wireless routers need periodic reboots?

This thread needs to end. If you're dissatisfied with your router because of reboots, etc., just get a Google wifi, orbi, or other "mesh" router. /endthread. And yes, I've owned quite a few routers that needed rebooting, including hi-end ones prior to the Google wifi. This thread would never even ex...
by lightheir
Mon Jan 22, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6839

Re: Work-out schedule for those in 60s

63 retired male here. I keep it very simple. Every day I either run 6 miles on the beach or 8 miles on a hill course with +- 1000 ft elevation gain and loss. Also every day, I do a circuit on my Vectra On-Line 1800 weight machine to muscle failure - takes about 20 minutes. Now occasionally it rains...
by lightheir
Fri Jan 19, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4062

Re: How do you adjust side mirrors in a car?

Someone probably mentioned it, but a $5 blind spot mirror from Amazon will instantly cover your blind spot and let you use the mirror whatever way you want otherwise. Works great.
by lightheir
Fri Jan 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 2116

Re: Learning Swimming @ 40+

It will be no problem. It feels impossible at first, but you will get the hang of it and be able to swim surprisingly long distances within several months. ANd it's fun to learn! I did this myself at age 35. I found that getting across the pool to do laps didn't take me that long at but it never fel...
by lightheir
Tue Jan 16, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3646

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: 151
Views: 15263

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: 151
Views: 15263

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: 92
Views: 10988

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: 92
Views: 10988

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...