Search found 328 matches

by brianH
Thu Jan 12, 2012 6:20 pm
Forum: Personal Consumer Issues
Topic: Do You Read Food Labeling?
Replies: 23
Views: 1290

Re: Do You Read Food Labeling?

As a general rule of thumb, if one needs to read the list of ingredients, the food isn't healthy. This was basically my response. I *would* read the label, but I try to eat foods that only have 1 ingredient (eggs, vegetables, meat, etc.) Much like Lon, minimizing carbs in my diet really surprised m...
by brianH
Wed Jan 04, 2012 11:42 pm
Forum: Personal Consumer Issues
Topic: Fat, Sick, and Nearly Dead
Replies: 68
Views: 8607

Re: Fat, Sick, and Nearly Dead

And what about the third study? I still stand by my assertion that the preponderance of evidence taken as a whole will point to a diet high in saturated fatty acids increases the risk of cardiovascular disease significantly. It took me a while to find it for free (http://www.atkinsexposed.org/atkin...
by brianH
Wed Jan 04, 2012 10:02 am
Forum: Personal Consumer Issues
Topic: Fat, Sick, and Nearly Dead
Replies: 68
Views: 8607

Re: Fat, Sick, and Nearly Dead

I thought it was common scientific/medical knowledge that saturated fat causes arterial disease. I don't think I've ever seen any hard empirical evidence that this is true. I could be missing something. http://www.annals.org/content/153/5/289.abstract http://mygreendiet.com/wp-content/uploads/2010/...
by brianH
Tue Jan 03, 2012 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage Would You Put Down to Buy First Home?
Replies: 12
Views: 1523

Re: What Percentage Would You Put Down to Buy First Home?

I put down 15%, as it was the most I had access to at a young age (24). I did, however, aggressively pre-pay the principal and got rid of the PMI about 6 months later. The PMI at 15% down was not really that bad, but I don't know if current underwriting allows <20% without a ton of hassle.
by brianH
Tue Jan 03, 2012 11:45 am
Forum: Personal Consumer Issues
Topic: Fat, Sick, and Nearly Dead
Replies: 68
Views: 8607

Re: Fat, Sick, and Nearly Dead

On juice fasts: assuming a bunch of fruit, you're looking at a good deal of sugar. I don't think it's all that healthy to spike blood glucose with sugar water many times a day. Fruit is meant to be consumed whole so that the fiber slows the sugar absorption (and naturally limits you to a piece or tw...
by brianH
Tue Dec 27, 2011 9:37 pm
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 11307

Re: Password manager?

I don't think you're understanding the threat. All programs seems to have unfettered access to the clipboard. If that's the case, then a virus (or whatever--I can never keep the terms straight) could be designed to immediataely capture, log, and transmit anything written to the clipboard. Clearly, ...
by brianH
Wed Dec 14, 2011 2:19 pm
Forum: Personal Consumer Issues
Topic: Do you drink milk?
Replies: 96
Views: 6273

Re: Do you drink milk?

Nope, too much sugar (lactose) for my liking. I do drink heavy cream, or at least I used to. The brand I would buy that was reasonable is thickened with stuff that I'd rather not eat.

I do eat cheese and 4% cottage cheese on occasion.
by brianH
Tue Dec 13, 2011 11:06 am
Forum: Forum Issues and Administration
Topic: Passwords sent in plaintext
Replies: 8
Views: 1506

Re: Passwords sent in plaintext

A good reminder to not reuse passwords. Though phpBB hashes passwords (I think salted MD5), there's no way of knowing what certain sites do. Always assume that any password you use can be seen plaintext by, at best, the site admins, and at worst, any hackers that may compromise the site or you conne...
by brianH
Tue Dec 13, 2011 10:57 am
Forum: Personal Consumer Issues
Topic: Do you eat eggs?
Replies: 68
Views: 5858

Re: Do you eat eggs?

Glad to see a general consensus that the lipid hypothesis is quite likely wrong, and it may have been a contributing factor in our current obesity/diabetes/heart disease epidemic. On topic: as a very low carb eater, I eat at least 4 eggs a day (breakfast), and I may add one or two more before bed if...
by brianH
Tue Nov 29, 2011 2:16 pm
Forum: Personal Consumer Issues
Topic: Pointing the Hubble Telescope at "Nothing"
Replies: 82
Views: 11546

Re: Pointing the Hubble Telescope at "Nothing"

The "Into The Wormhole" series with Morgan Freeman narrating is a good watch. http://throughthewormhole.net/ I thought those were pretty good, but I couldn't get behind the 'God' stuff that crept in here and there. It's almost as if they felt the need to not offend anyone. To each his own, but --re...
by brianH
Mon Nov 28, 2011 10:55 pm
Forum: Personal Consumer Issues
Topic: Pointing the Hubble Telescope at "Nothing"
Replies: 82
Views: 11546

Re: Pointing the Hubble Telescope at "Nothing"

This really made me want the new 'Cosmos' series (Q2 2012) to be out already. For those that haven't seen it, the original, Carl Sagan hosted Cosmos series (http://en.wikipedia.org/wiki/Cosmos:_A_Personal_Voyage) is a must. Some of the science is a bit dated, but the impact is still there. I think w...
by brianH
Tue Nov 22, 2011 3:43 pm
Forum: Investing - Theory, News & General
Topic: Interesting angle: Paying Down Mortgage vs Investing More
Replies: 4
Views: 1213

Re: Interesting angle: Paying Down Mortgage vs Investing Mor

The wiki: http://www.bogleheads.org/wiki/Owning_vs_Renting addresses this as the concept of a negative bond. Your mortgaged amount pulls down the FI component of your AA increasing your exposure to the equity component.
by brianH
Tue Nov 22, 2011 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another paying off the house thread
Replies: 21
Views: 2003

Re: Another paying off the house thread

I paid off my house earlier this year. I had been paying good-sized pre-payments up to that point, and had less than half left. To me, it made sense. I had a 5.625 rate, and I couldn't find services to refi without costs or significant hassles. Nothing I could find gave me a risk-free reward at 3.5-...
by brianH
Tue Nov 22, 2011 11:51 am
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 11307

Re: Password manager?

KeePass with the encrypted data file in my Dropbox folder and available wherever I find myself. Note to self: delete the image of the Treasury Direct code card stored in it. I just downloaded KeePass. I have the encryped data file in my Dropbox folder. However, when I go to get it in another comput...
by brianH
Tue Nov 22, 2011 11:34 am
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 11307

Re: Password manager?

Brian, can you tell us about the Yubikey? The YubiKey (http://yubico.com/yubikey) is a cool little USB device that has multiple security functions. It is small and thin, and it only has one 'button' on the top, which is really just a gold-plated finger contact. Anyway, LastPass uses one of its mode...
by brianH
Mon Nov 21, 2011 4:43 pm
Forum: Personal Consumer Issues
Topic: Best Way To Roast A Turkey
Replies: 30
Views: 3968

Re: Best Way To Roast A Turkey

One simple trick I use is to cook the bird breast-side down. This keeps the (typically) dry breast meat a lot more moist. The only downside (ha) is that it is difficult to get a temperature reading from the breast.
by brianH
Mon Nov 21, 2011 10:04 am
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 11307

Re: Password manager?

Interesting. Have you ever looked into 1Password? Any security concerns there? I've now tried LastPass and 1Password on a very limited basis. I'm finding that both programs have trouble handling sites like Vanguard where the username and password need to be entered on separate pages. This isn't a b...
by brianH
Sun Nov 20, 2011 4:35 pm
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 11307

Re: Password manager?

I prefer KeePass. I don't really trust LastPass, and I find their security to be lacking (convenience over security.) A system (like KeePass) where you can use a master password plus a keyfile to encrypt the database is the most secure option. It should be noted that LP (and possibly other cloud ser...
by brianH
Sun Jan 09, 2011 12:54 pm
Forum: Personal Consumer Issues
Topic: Bank hikes fees again
Replies: 72
Views: 6900

What about fund companies like Schwab and Fidelity. Can they also function like banks? Be nice to find alternatives. No first hand experience with Fidelity MySmartCash account, but there were a few threads in the past on this subject. Here is a link to the Fido MSC site http://personal.fidelity.com...
by brianH
Wed Jan 05, 2011 11:21 pm
Forum: Personal Consumer Issues
Topic: Danger of Open WIFI
Replies: 41
Views: 7290

This is a valid concern, and simple tools make it available to unsophisticated hackers (script-kiddies). The gold-standard for securing public access point traffic would be a SSH tunnel to a known-good server with web access. This would even protect against DNS pollution, since the server 'authentic...
by brianH
Mon Sep 06, 2010 11:54 am
Forum: Personal Consumer Issues
Topic: Google Phone from gmail
Replies: 40
Views: 9388

More information on what I've discovered. 1. Google call "calls home" (sends info to google even when you're not using google call (infomation gathering, obviously). (I was constantly alerted to the fact that googleupdate wanted to "call home" by my firewall protection.) 2. As a result of this, I u...
by brianH
Sat Sep 04, 2010 2:38 pm
Forum: Personal Consumer Issues
Topic: Another casualty of Student Loan Debt: relationships
Replies: 32
Views: 4195

Smart guy; he made the right move. 10-30K in student loans to obtain a degree in a well paying field at 23-25, OK, but 170K in debt at the age of 31 and a photographer, I don't think so. Even with a decent paying job and reasonable expenses (car, house, etc.), say $1000 discretionary funds a month, ...
by brianH
Fri Sep 03, 2010 6:30 pm
Forum: Personal Consumer Issues
Topic: Jury Duty....GRRRRRR!
Replies: 68
Views: 7807

Curious, just where in the constitution does excluding evidence from the jury reside ? In the example presented, the Fifth Amendment. If (s)he was convicted or acquitted for those past crimes, they don't have any relevance to the current case. They may, and probably will, play a role in sentencing,...
by brianH
Fri Sep 03, 2010 6:09 pm
Forum: Investing - Theory, News & General
Topic: Indexing is bogus [according to Cramer]
Replies: 52
Views: 9423

I have to admit, he seems to be a bit more humble about indexing and the dangers of market-timing. I'm going to give him the benefit of the doubt and filter out some of the BS to some valid (extrapolated) underlying point(s): -Index funds do charge fees -Some index funds (mostly non-Vanguard) have a...
by brianH
Thu Sep 02, 2010 5:01 pm
Forum: Personal Consumer Issues
Topic: Jury Duty....GRRRRRR!
Replies: 68
Views: 7807

Be careful you don't end up like this woman: http://www.google.com/hostednews/ap/article/ALeqM5gZky_eRauY9btJHlZo78oHukPCBgD9HVQKF80 I was called for selection of Federal Court jury in PA. Sat in a big room for 2 days, but I was never in the 5, 30-40 person groups that made it to round 2. Pretty gla...
by brianH
Tue Aug 31, 2010 11:59 pm
Forum: Personal Consumer Issues
Topic: Charity CEO Pay
Replies: 63
Views: 7693

Speaking of the NIH, how come, as a small-guy, I can't just contribute money in reasonable amounts to research that I like? If I donate to MS or whatever, I want that money to go directly to the scientists that are working for a cure, not to pay for ads, CEO salary, events, etc. of a charity. Raisin...
by brianH
Tue Aug 31, 2010 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: The best car insurance coverage for an affordable price?
Replies: 40
Views: 9569

Can't say I've been diligent about comparing (been with State Farm my whole life), but the rates seemed reasonable. Tried Travelers and Progressive based on the PA guide. Travelers was outrageous for car. Progressive seemed a bit cheaper for motorcycle/car, but maybe a bit more for home. Unfortunate...
by brianH
Sun Aug 29, 2010 12:44 pm
Forum: Personal Consumer Issues
Topic: Google Phone from gmail
Replies: 40
Views: 9388

Does this new feature work with the Google Talk software as well? No. I hate to gripe about something free, but I've been waiting for outbound calls using GVoice for the longest time. I generally love GVoice, but the Gmail-GTalk integration is pretty limited. First, the Gmail webpage must be open. ...
by brianH
Thu Aug 12, 2010 5:14 pm
Forum: Personal Consumer Issues
Topic: What do Bogleheads do for a living?
Replies: 108
Views: 19850

Voted 'Computers...' Specifically, I design and program financial software, so BH.org is a natural fit for me. However, most of my software is used by financial advisors, trust, and the $2000 suit wall street boys (shhhh!)
by brianH
Thu Aug 12, 2010 4:51 pm
Forum: Personal Consumer Issues
Topic: The Best Man Speech
Replies: 31
Views: 5198

Just did this for the first time back in June for my buddy. I was told I did a great job, and people liked my speech. Here it is (names removed): --- For those that don't know me, I'm [me], ostensibly the best-man of this shindig. For those that do know me, they know that I am not one for long, draw...
by brianH
Wed Aug 11, 2010 3:12 pm
Forum: Investing - Theory, News & General
Topic: What would you do with a suitcase with $2 million in it?
Replies: 75
Views: 7861

Re: What would you do with a suitcase with $2 million in it?

I would call my attorney and tell him/her that I want to do the legal and right thing. That would probably entail turning the money over to law enforcement authorities. After a certain period of time if no one claims the money then I could keep the money minus income taxes that would have to paid a...
by brianH
Tue Aug 10, 2010 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce & Finances
Replies: 27
Views: 4385

Your situation, technofox, is a valuable reminder of the underlying legal contract of any marriage (or cohabitation in some states). I'm sure many Bogleheads scrutinize credit offers, mortgage paperwork, and most surely MF prospectuses, without considering the potential for financial pain/ruin stemm...
by brianH
Tue Aug 10, 2010 11:12 am
Forum: Personal Consumer Issues
Topic: Listen to music while working? If so, what?
Replies: 46
Views: 6284

I mostly listen to trance/dance at work through Digitally Imported Internet radio http://www.di.fm/ I even paid for 2 years of premium (256K, no ads) so that the streamers use port 80 (gets around that work firewall). Trance fans that haven't heard the weekly radio show 'A State of Trance' by Armin ...
by brianH
Fri Jul 30, 2010 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Newly self-employed - tax management / cashflow advice?
Replies: 37
Views: 4116

Internet - I use internet occasionally at home to do work from. I deduct this expense. Business Lunches/Dinners- Since you and your husband work for the same company, anytime you go out to eat together, discuss business and deduct your bill. If you ever happen to trigger, or get randomly selected f...
by brianH
Wed Jul 28, 2010 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Using your credit card is a good value
Replies: 8
Views: 1691

Handling cash is not free to the merchant. There are armored cars and/or night deposits, handling, counting, and risk of loss and/or theft. These costs might be comparable to interchange fees for some merchants. Right. It's a cost of doing business that the retailer decided to accept. Some business...
by brianH
Wed Jul 28, 2010 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Income tax: Married Filining Separatley vs Joint Return
Replies: 12
Views: 2064

If you decide to file MFJ, the ex-spouse will need to sign the return. As others have mentioned, external factors may make this option not worth the slight overall savings. In addition, the refund or amount due will need to be split fairly. Having gone through a divorce, I chose MFJ because I was on...
by brianH
Sat Jul 10, 2010 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Hate Renting. How to Get Ready to Buy?
Replies: 29
Views: 3804

Maintenance costs can also vary based on what the owner considers 'necessary'. For example, do you paint a room every 3, 5 or 10 years? How long does the carpet look good? Deck re-stain, landscaping, bathroom fixtures, kitchen modernity, etc. I've been pretty lucky with minimal required work on my t...
by brianH
Thu Jul 08, 2010 1:37 pm
Forum: Investing - Theory, News & General
Topic: What happens when everything becomes automated?
Replies: 132
Views: 9807

Let me pose a question: Suppose one day in the future an alien spaceship lands and a being comes out of the ship and claims to be a robot built by a long-extinct alien race, and it passes all the turing tests and everybody agrees that it is intelligent. Suppose that some time later it is uncovered ...
by brianH
Thu Jul 08, 2010 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: deleted
Replies: 50
Views: 10860

BTW, the mail center is located in Valley Forge/King of Prussia PA. The main campus is in Malvern/Great Valley area, PA. In the 'Main Line' area, Vanguard is a pretty big employer -- as evidenced by the yellow 'G' tags hanging from rear-view mirrors. A number of my colleagues worked there. The gener...
by brianH
Thu Jul 08, 2010 11:42 am
Forum: Investing - Theory, News & General
Topic: What happens when everything becomes automated?
Replies: 132
Views: 9807

Lol at Sam Gamgee's comment. :D So human emotions and things like art and music are nothing special? What if a glitch, or purposefully programmed random algorithm, in my computer spit out some beautiful (subjective) images or bleeps and bloops that sounded like pleasing music. Is that not art? Did ...
by brianH
Wed Jul 07, 2010 9:54 pm
Forum: Investing - Theory, News & General
Topic: What happens when everything becomes automated?
Replies: 132
Views: 9807

Far more interesting than Deep Blue beating Kasparov is how he felt that the computer 'was' human. http://wright.chebucto.net/AI.html Like chess, our universe has rules. There are vastly more rules than the few in chess, but it isn't inconceivable that a computer could be given a starting set, and t...
by brianH
Wed Jul 07, 2010 9:28 pm
Forum: Personal Consumer Issues
Topic: E-reader price wars-Kindle vs. Nook
Replies: 26
Views: 6414

Doesn't really help now, but Woot.com offered the Kindle (latest one) for $150 on the day of their acquisition by Amazon. I might hold out a bit, as it's likely to hit that point again soon.
by brianH
Wed Jun 23, 2010 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28713

The whole paper is available at the top (I can't grab a direct link) I think the only conclusion that came out of the study was that there wasn't a statistically significant increase in cash vs. credit. The whole revolver/consumer nonsense seems obvious: someone that carries a balance on their cards...
by brianH
Wed Jun 23, 2010 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28713

Re: If I listened to Dave Ramsey

so you might see very different results if you did the experiment in a controlled fashion, randomly choosing which people would use cash and which would use credit. This has been done many, many times. The results are quite clear. Mighty strong statement. This study at CMU http://www.creditcards.co...
by brianH
Tue Jun 22, 2010 9:14 am
Forum: Personal Consumer Issues
Topic: Men, how many razor blades are enough?
Replies: 42
Views: 5852

I use the Walmart brand twin blade disposables http://www.walmart.com/ip/Personna-With-Lubricating-Strip-Twin-Blade-1-ct/10318846 I found they work pretty well. Not as well as a Mach3, but good enough for use in the shower. I can usually get a few shaves out of a single blade, but I don't worry abou...
by brianH
Sat Jun 19, 2010 4:04 pm
Forum: Personal Consumer Issues
Topic: "Embrace Life" video promoting seatbelt use in UK
Replies: 13
Views: 1564

This reminds me of the UK texting while driving PSA. http://www.youtube.com/watch?v=R0LCmStIw9E WARNING: graphic, may cause nightmares
by brianH
Sat Jun 19, 2010 3:28 pm
Forum: Personal Consumer Issues
Topic: Need A Good Set of Headphones
Replies: 47
Views: 5407

As mentioned (twice) you can't go wrong with the HD-202s for the low-end price range. If you have a big head/ears, you may find that they don't really cover your entire ear and the band may squeeze your head a bit. For comfort, I prefer my Sony MDR-V6s that have a full, padded ear cup and soft paddi...
by brianH
Sat Jun 19, 2010 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question about paying more on mortgage payment
Replies: 9
Views: 2318

It looks right, but I would call and confirm with a CSR how the extra payment amount is handled. For my mortgage holder (Wells Fargo) they have a selection where you specify where a extra amount goes to principal, a prepayment of next bill, or escrow. I usually make the principal paydowns as separat...
by brianH
Fri Jun 18, 2010 1:48 pm
Forum: Personal Consumer Issues
Topic: GeneticTesting:23andme.com
Replies: 26
Views: 4467

If you live near Camden, NJ, the Coriell Institute does free genetic testing as part of a large study: http://www.coriell.org/index.php/content/view/92/257/ I've had it done there and was impressed with the staff and procedures. Of course, they only report back findings on diseases approved by a rev...
by brianH
Fri Jun 18, 2010 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever used this website, Mint?
Replies: 21
Views: 3275

And then one day you'll tune into the news and hear the following: "Mint.com apologizes for the data breach earlier today which compromised the financial data of many thousands of its users..." Just, you know, thinking Or, like Facebook, they'll basically give the finger to their users by not adher...