3 reasons to retire as early as you can

Are you forgetting about one of your most valuable assets in life?

Source: 3 reasons to retire as early as you can

Time is one of the most valuable assets at your disposal. Unfortunately, many people spend 40 hours a week for 40 or 50 years trading their time for this thing we call money.

The great news is that there’s a corollary to that fact: If people are willing to give you money for your time, you can spend money to buy your time back.

That’s what we call retirement.

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It’s my opinion that everyone should pursue the opportunity to retire as early as possible. Having the financial security to choose what you do with your time is one of the greatest gifts you can give to yourself, your loved ones, and the causes you’re passionate about.

Here are three reasons to retire as early as you can.

1. You can’t earn back time

One of the most common regrets of the dying is that they worked so hard and for so long, according to nurse Bronnie Ware. “They missed their children’s youth and their partner’s companionship,” she wrote.

You can always find a way to earn back money you spend or lose, but you can’t go back in time and experience the moments you missed. Retiring early means you’ll have more opportunities to be with your family.

Further, it’s a fact of life that some things become more difficult as we age. When you’re in your 60s or 70s, you may not be able to do all the things you put on your bucket list in your 20s and 30s — and you may not have enough time left to do them regardless.

2. It’s really hard to run out of money if you plan things right

My advice is to retire as early as you can. But how do you know when you can retire? Nearly half of workers aged 50 and older say their biggest fear is running out of money in retirement. These people are not confident in their retirement plans — or they don’t have plans at all.

However, planning for a financially secure retirement doesn’t have to be difficult. Here’s where to start:

Read a few articles on safe retirement savings withdrawal rates. (Financial adviser Michael Kitces suggests 3.5% for early retirees to keep things simple.)

Figure out how much you’ll spend in retirement.

Save and invest in appropriate assets until the math works.

Even if the market takes a severe downturn and you get nervous about living off your retirement assets, you can always pick up some part-time work. If you use a 3.5% withdrawal rate, $10,000 in annual income is effectively worth $286,000 in your portfolio.

And don’t forget you can tap Social Security at age 62 if you need to. While you’ll receive a reduced monthly benefit (up to 30% lower than your full benefit), it can help shore up your retirement funds if you feel the need. Just don’t count on Social Security to fully fund your retirement.

3. You can (still) work on the things you love

A lot of people love their work.

Warren Buffett had a net worth of $1 million by the time he was 30 — likely more than enough for him to retire to his modest home in Omaha. Of course, Buffett chose not to retire because he loved his work. “For over 60 years, I’ve been able to tap dance to work, doing what I love doing,” Buffett says in the HBO documentary Becoming Warren Buffett.

For reference, Buffett is now 87, still working, and closing in on a net worth of $100 billion, even after giving billions away to non-profits.

Not everyone is lucky enough to have their passions and their career align so perfectly. But early retirement offers the opportunity to pursue endeavors you love. Whether they’re profitable or not is no longer the point once you have the financial security to support your lifestyle.

You can get around to writing that book you didn’t have time for when you were working 40 hours a week. You can start brewing beer in your basement and open a nice little speakeasy for your friends to enjoy a lager or a cocktail with you (tips only!). You can fix up run-down houses and rent them out or sell them for a profit. Or you can volunteer your time to help causes you’d otherwise support with monetary donations.

Not only does working on things you love provide the potential for monetary rewards, but it could help you live longer. There’s no rule, however, that “work” has to be a traditional job.

NiCAD vs. NiMH Batteries

NiCAD vs. NiMH Batteries NiCad (Nickel-Cadmium) and NiMH (Nickel-Metal Hydride) are two very different types of batteries. Both types must be handled differently from one another in regards to charging and discharging procedures and philosophies. In general, NiMH batteries cannot handle the high rate of charges or discharges (typically over 1.5-2 amps) that NiCad batteries can. Many modelers use high rate, peak detection or time-based chargers to charge NiCad batteries. Such chargers are NOT recommend

Source: NiCAD vs. NiMH Batteries

NiCAD vs. NiMH Batteries

NiCad (Nickel-Cadmium) and NiMH (Nickel-Metal Hydride) are two very different types of batteries. Both types must be handled differently from one another in regards to charging and discharging procedures and philosophies.

In general, NiMH batteries cannot handle the high rate of charges or discharges (typically over 1.5-2 amps) that NiCad batteries can. Many modelers use high rate, peak detection or time-based chargers to charge NiCad batteries. Such chargers are NOT recommended for NiMH batteries (unless otherwise specified in the charger or battery literature) as they can cause permanent damage to the NiMH cells. Also, NiMH batteries will not perform well in high rate discharge applications, typically providing only a small fraction of the rated capacity in these instances.

NiMH batteries also have approximately twice the self-discharge rate of NiCad batteries when in an used state. For example, when your radio is off, a 1650mah NiMH battery can discharge itself nearly twice as quickly as a NiCad battery, typically within one week. Therefore, you must charge your NiMH batteries the night before each use.

When handled correctly though, NiMH batteries can be very beneficial, providing much longer run times than comparably sized and weighted NiCad batteries.

We highly recommend NiMH batteries in applications that call for long duration but not a high amp load. If you have an aircraft with very large servos that pull a lot of amps or more than 8 standard servos we recommend using NiCad batteries for the best results.

Choosing the correct battery for your application is critical. When making this decision you may need to ask yourself the following questions:

  1. How much room do I have?
  2. How much weight can my application handle?
  3. How many amps will I be using under full load?
  4. How much “run-time” do I need?
  5. How fast do I need to recharge?

NiCAD vs. NiMH Batteries

Source: NiCAD vs. NiMH Batteries

NiCAD vs. NiMH Batteries

NiCad (Nickel-Cadmium) and NiMH (Nickel-Metal Hydride) are two very different types of batteries. Both types must be handled differently from one another in regards to charging and discharging procedures and philosophies.

In general, NiMH batteries cannot handle the high rate of charges or discharges (typically over 1.5-2 amps) that NiCad batteries can. Many modelers use high rate, peak detection or time-based chargers to charge NiCad batteries. Such chargers are NOT recommended for NiMH batteries (unless otherwise specified in the charger or battery literature) as they can cause permanent damage to the NiMH cells. Also, NiMH batteries will not perform well in high rate discharge applications, typically providing only a small fraction of the rated capacity in these instances.

NiMH batteries also have approximately twice the self-discharge rate of NiCad batteries when in an used state. For example, when your radio is off, a 1650mah NiMH battery can discharge itself nearly twice as quickly as a NiCad battery, typically within one week. Therefore, you must charge your NiMH batteries the night before each use.

When handled correctly though, NiMH batteries can be very beneficial, providing much longer run times than comparably sized and weighted NiCad batteries.

We highly recommend NiMH batteries in applications that call for long duration but not a high amp load. If you have an aircraft with very large servos that pull a lot of amps or more than 8 standard servos we recommend using NiCad batteries for the best results.

Choosing the correct battery for your application is critical. When making this decision you may need to ask yourself the following questions:

  1. How much room do I have?
  2. How much weight can my application handle?
  3. How many amps will I be using under full load?
  4. How much “run-time” do I need?
  5. How fast do I need to recharge?

How to Edit Your Hosts File on Windows, Mac, or Linux

Source: How to Edit Your Hosts File on Windows, Mac, or Linux

How to Edit Your Hosts File on Windows, Mac, or Linux

On occasion you will need to edit the hosts file on your machine. Sometimes because of an attack or prank, and others so that you can simply and freely control access to websites and network traffic.

hosts files have been in use since ARPANET. They were used to resolve hosts names before DNS. hosts files would be massive documents used to aide the network name resolution.

Microsoft kept the hosts file alive in Windows networking which is why it varies very little whether used in Windows, macOS, or Linux. The syntax stays mostly the same across all platforms. Most hosts files will have several entries for loopback. We can use that for the basic example for the typical syntax.

The first part will be the location to redirect the address to, the second part will be the address that you will want to redirect, and the third part is the comment. They can be separated by a space, but for ease of reading are typically separated by one or two tabs.

127.0.0.1 localhosts #loopback

Now let’s look at accessing the hosts files in the different operating systems…

Windows 8 or 8.1 or 10

Unfortunately Windows 8 or 10 makes it annoying to open apps as administrator — but it’s not too difficult. Just search for Notepad, then right-click on Notepad in the search results list, and choose to run it as administrator. If you’re using Windows 10 this will be on the Start Menu.

If you’re using Windows 10, it’ll look more like this:

Windows_10

Once you’ve done so, open up the following file using the File -> Open feature.

c:\windows\system32\drivers\etc\hosts

Windows_10

Then you can edit as normal.

Windows 7

To access the hosts file in Windows 7 you can use the following command in the Run Line to open notepad and the file.

notepad c:\windows\system32\drivers\etc\hosts

sshot-2010-08-31-[19-41-19]

Once notepad is open you can edit the file. In this example we will block Facebook. To do this just enter in the following after the # mark.

0.0.0.0    www.facebook.com

sshot-2010-08-31-[20-51-49]

Now that you have edited your Hosts file make sure to save it.

sshot-2010-08-31-[20-54-07]

Now notice if we try to access Facebook in IE we can’t get to the page.

sshot-2010-08-31-[20-56-44]

We also were not able to get to it in Google Chrome… (check notes at the end). Also for more info on editing your Hosts file, check out The Geek’s article on how to create a shortcut to quickly edit your Hosts file.

sshot-2010-08-31-[21-04-27]

Ubuntu

In Ubuntu 10.04 and most Linux distro’s you can edit the hosts file directly in the terminal. You can use your favorite editor or even open your favorite GUI text editor. For this example we will use VIM. Like Windows 7, Ubuntu’s hosts file is located in the /etc/ folder, though here it is in the root of the drive. In order to edit the file you will need to open it as root which is why we use sudo here.

Now that it is open we can edit it to redirect Facebook into nothing. You will notice that with Ubuntu there is also a section for IP6. For most needs you will only need to edit it the top section and ignore the IP6.

Now we can save the file and try to go to Facebook.com. Just like in windows we will see that we are now redirected to a site that does not exist.

sshot-2010-08-31-[23-14-30]

macOS (Any Version)

In macOS, accessing the hosts file is very similar to Ubuntu. Begin in terminal and use your favorite editor, even is you wish to call a GUI text editor, it is easier to do so from terminal.

The file will look a bit more like Windows, only with a little less explanation. Again we are going to redirect Facebook.

This time it seems that 0.0.0.0 is a loopback and will direct you to the computers Apache test page.

Notes

There are some things to note from this walkthrough that we did notice. When tested it, Chrome did not use the hosts file in any operating system but we were able to block Facebook in Chrome by adding www.facebook.com. Also, make sure to place and extra line after the last entry for the section.

This should get you started in understanding the Hosts file and how it can help protect your computer. You can use it to block sites that you don’t want a PC to be able to access. If you have more suggestions for any of the operating systems we coved, then leave a comment and let us know!

Create a Shortcut to Quickly Edit Your Hosts File in Windows

Chris is a Mac geek who still knows his way around Linux and Windows. He’s always looking for a good way to translate geek to english.

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Which Headlights Shine Best: Halogen, HID or LED? | Angie’s List

While old-school halogen still rules the road, LED headlights are becoming more popular.

Drivers may soon notice brighter and whiter headlights on the road as the popularity of traditional halogen headlights continues to dim.

Halogen still ranks highest as the most common headlight on the market, but several alternatives, including xenon-based and light-emitting diode (LED) headlights, are growing in popularity. Here’s how the options compare in terms of performance, safety and price.

Headlight versus headlight

According to Motor Trend, you’ll notice several important differences in light produced by LEDs, xenon and halogen headlights. LEDs have the coolest color temperature at around 6,000 Kelvin, which makes them appear whiter than daylight. Xenon headlights come in at around 4,500 K, while halogens round out the list at a yellowish 3,200 K.

When it comes to reflection, LEDs offer better light return from road signs, while xenon lamps better illuminate the sides of the road. In part, this is because xenon lamps typically produce more light, measured in lumens, than LEDs.

Both LEDs and xenon provide a large pattern of light on the road, whereas halogens offer a small pool of yellow light directly in front of the vehicle. If you’re buying a new car, expect LED headlights to be the premium option, and make sure your auto repair shop is equipped to handle LED headlight replacements and repairs.

If you’re looking for intense light and don’t mind the glare, xenon may be the best choice. LEDs, meanwhile, offer great light, low power and long life, but often come with a bigger price tag.

Halogen headlights

Halogen lights are the most popular lights on the market and are found in most consumer cars. These bulbs are similar to familiar incandescent lights and use heated tungsten filaments to produce light. Halogen headlights produce a significant amount of heat, and even small deposits of skin moisture on the bulb during replacement can affect their performance.

The main benefits of halogen bulbs include low replacement costs and longevity.

Xenon headlights

Xenon lights, also known as high-intensity discharge (HID) lights, produce a brighter light than halogen bulbs and with far less heat. The blue-white light emitted by xenon bulbs is so bright, it has been known to “blind” other drivers.

These headlights require a large amount of power at the outset to produce their first burst of light, but once fully operational, they require much less energy to maintain constant brightness.

Xenon bulbs have a long lifespan and emit little heat, but they cost more than halogen bulbs.

LED headlights

LEDs are the most recent innovation in headlight technology. Instead of gas and filaments, LEDs rely on small diodes that produce light when electric current excites their electrons. They need an low amount of power to work but do produce a significant amount of heat on the diode. This requires heat control systems at the bottom of the headlight and near other car components. If this system fails, not just the light, but other electronics could be affected.

The small size of LEDs means they can be formed into almost any shape, and their light is naturally directional rather than diffuse, making them an excellent choice for headlights.

Editor’s note: This is an updated version on an article originally posted on Nov. 20, 2013.

Source: Which Headlights Shine Best: Halogen, HID or LED? | Angie’s List

Installing a Linksys AC1900 Dual Band Gigabit Router in my 10yr old network

router

Linksys AC1900  Reviews were ; 1/2 liked it 1/2 didn’t, on Amazon.. lets find out

 

Gigabit.. and Dual Band.. when I started out I needed to replace our home router and WI-fi extender  We have two separate buildings to supply with internet and streaming tv and game content. The terms that I ran into was dual band and Gigabit.. I saw this router at Sams Club and was not sure if I could replace my old system with a dual band gigabit router or not…?

The system we have is an old Netopia Wireless router, we also have rj45 Cat6 cable connecting the extender to the router, and also a cable connecting a backup server, a refurb Dell with Ubuntu.

So during my research I discovered that Gigabit means the speed at which your home network will run, the extender, an backup server and the in-house network will work at Gigabit speed . 10x100mbps  = 1000mbps  . and the rj45 cat5e and cat6 will carry the data at speeds of 1000mbps.  Hopefully no more lag and loading .. we’ll see

Dual Band was the other incompatibility issue I had a concern over.. but it will work with the old system fine. Dual Band refers to the channels at which the signal is sent and received.. each device either has a A or B  WI-fi band A is the most common 802.11a 2.4 Ghz ..   All of my devices will hook up to it.    Comments were made about the 802.11b 5.0 GHz  as being more uncongested because of its lack of popularity.. but another commenter said that the dual bands were to be used in conjunction to relieve the pressure of high traffic.

Electric Bike Conversion

barrel630

Looking for a bike to put a motor on.. either a gas or electric kit and keep it peddling also. I’m six foot tall and have a bad knee that doesn’t bend all the way so I need a bike with a “Peddle Forward” design, that allows for longer legs and not so much height that it makes it hard to touch. The “Barrel” 630 has 6″ forward peddle placement, making it a good candidate for this project.

The chain in use on modern bicycles has a 1/2” pitch, which is ANSI standard #40

 


 

I really like the electric options , especially when I visit http://www.enorm-ebike.com/ and look at the awesome bikes they’re building..   Most of the Enorm bikes run on 48v NiCads with the capabilities of running on a 24v when in power saver mode. Read their website for all the details.. Excellent Bike..

electric bike

ENorm Electric Bike





 

The best kit I have found for the money is at http://www.kingsmotorbikes.com

the Kit runs between 249.00 and 299.00 if you can catch it on sale.. Free Shipping is available most of the time.

Currie Electric Bike Conversion Kit

This kit is cheapest compared to most because of the type of battery it uses.  The batteries in this unit are sealed lead batteries , they cost around 20.00 a piece if you look around on Amazon and Ebay.. You need 2 of them and they last a year or two.. maybe more.. the charge lasts on the bike for weeks, I ride a couple of miles a week.. The Case for the batteries has to be split open and the wires removed from one set of batteries and hooked to the new set. When you charge the batteries.. REMEMBER THIS  when you charge . Dont plug the charger into the wall until you have it securely plugged to the battery pack first..  then plug it in.. when removing the charger, unplug from the wall first..

I can and will ruin your batteries.