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If you kept only three of these tools, which three? Everything else I set up I abandoned inside a month

Password manager with unique passwords everywhere, an alias or plus address per service, and keeping the operating system and browser actually updated. Those three survived nine years for me because none of them require a decision at the moment of use, they either work invisibly or they are one autofill away. The ones that died were the ones with a per use cost: a VPN you have to turn off for a banking site, a browser that breaks a work tool, a DNS filter that quietly kills a link somebody sent you. Anything with a per use cost eventually loses to a bad Tuesday, which is precisely what you have described.

121 · in/privacy-tools ·

Under $150 tracker that doesn't need a subscription to show me my own data

Under $150 on Android, the cheap band category is genuinely good now for steps, heart rate and sleep. Where they're still bad is GPS: most either have none or lean on your phone: and automatic workout detection, which is comedy. If your list is exactly the four things you wrote, you don't need to spend more, and I say that wearing a much more expensive watch.

98 · in/wearables ·

Bands, a doorway bar and two 12kg dumbbells in a rental, how far does that actually take a beginner

If you add one thing, make it adjustable dumbbells rather than more bands, and buy them heavier than feels sensible. I started with fixed 10s, bought a pair of 20s six months later, then finally bought an adjustable set that goes to 32 each and that is the pair that has actually lasted. Bands are excellent for warm ups, for band pull aparts and for adding a bit of resistance at the top of a movement, but they load backwards compared to your strength curve and they are impossible to progress in small honest increments. A pair of adjustables plus what you already own is a genuinely complete home gym for your goals.

128 · in/strength-training ·

Did a smartwatch change anything for you after month three, or did it become a step counter?

The drawer risk is real and it's mostly about charging. That 2019 band probably needed charging every few days at an inconvenient moment. Whatever you buy, decide in advance when it charges: mine goes on the puck while I shower, every day, and that habit is the only reason it's still on my wrist four years later. A watch you have to remember to charge is a watch you will stop wearing.

156 · in/wearables ·

Charge 19 a month to two hundred people or 200 a month to twenty

Agreeing with the conclusion for a different reason. At 19 a month you cannot afford to spend an hour on anyone, so you have to build self serve onboarding, docs, billing edge cases, the lot, before you know whether the thing is right. At 200 you can hand hold your first ten customers personally and learn what the product should be. Higher prices buy you the right to do things that do not scale.

476 · in/startup-traction ·

Has anyone actually recast a mortgage, and did the payment drop enough to be worth the paperwork?

One thing worth checking while you have them on the phone: if you are paying mortgage insurance, ask how the lump sum interacts with it. Under the federal rules the automatic termination point is tied to 78% of the original value on the original schedule, and you can generally request cancellation at 80%, but a big principal payment does not automatically move those dates on its own. Get their written answer rather than a phone answer.

254 · in/rent-vs-buy ·