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Re: Best place to buy bike parts

Unfortunately I'm on the other side of the state, but that place look's great.
by charley
Thu Mar 06, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1413

Re: Best place to buy bike parts

You bought the name when you went with Campy. Now you are going to die with them to keep your grupo. I don't know what that second sentence means. It was my first road bike and a closeout from the previous season. I've been happy with the performance, and will probably lean toward some of the cheap...
by charley
Thu Mar 06, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1413

Re: Best place to buy bike parts

http://www.yellowjersey.org/ http://www.loosescrews.com/ I really like the guys at yellowjersey. I've been in email contact with them and they're very helpful. Thanks for the suggestion. Moreover, going from double to triple means that you will have to swap out your shifters, cranks, derailleurs......
by charley
Sat Feb 22, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1413

Re: Best place to buy bike parts

I suggest biting the bullet and buying new.


I would, but it's not easy find NOS parts. I've started looking at used parts because that's what seems to be available. I might end up trying the compact crank since I won't have to replace the derailleurs and I could buy a new one relatively cheaply.
by charley
Fri Feb 21, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1413

Best place to buy bike parts

I know there are a few cyclists on this forum, so perhaps you can help me. I have a 9-speed Campagnolo double on my road bike (53/39 with 12-23 cassette). I injured my knee and hip and need to reduce the gearing significantly. I could go to a compact double (50/34) and a larger cassette, but I've re...
by charley
Fri Feb 21, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1413

Re: 2014 Jeep Cherokee - buy one?

If reliability is of utmost importance, I would limit the selection to Toyota or Honda. You make some compromises for this reliability though:higher price relative to some American brands and lower ground clearance compared to Subaru or Jeep. If you consider Subaru, I encourage you to research their...
by charley
Fri Feb 14, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Jeep Cherokee - buy one?
Replies: 32
Views: 1991

Re: Floor jacks

The Arcan jacks are good ones for the money. You will not be disapointed. That second endorsement (Ryan_in_chi as well) for Arcan on this board, and adds to the other positive things I've read. Costco carries an Arcan model, and their customer service/return policy add a lot of value to this purcha...
by charley
Thu Feb 06, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1691

Re: Floor jacks

Thanks for all the replies. I'm glad to hear more positive reviews about import jacks. I've read good things about HF and Arcan; with a HF coupon their jacks are a steal. I feel bad getting rid of a classic tool, but the old Walker jack only has a 1.5 ton capacity and rebuilding it myself (which isn...
by charley
Wed Feb 05, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1691

Floor jacks

To the DIY car maintenance crowd, what are your recommendations for floor jacks. I do most of my own car repairs and maintenance, and have made do with a 2-ton trolley jack with a 2 ft handle. I was gifted this jack, but it's leaking and not worth repairing. I just got an older Walker jack (model J-...
by charley
Tue Feb 04, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1691

Re: Most Efficient Way to Heat a Home

The most efficient way to heat a home is certainly passive solar. In Mass. that would not be sufficient. Next would be a geothermal heat pump. Air-to-air is not good enough in Mass. Air-to-air can work in Massachusetts, but it requires a sufficiently tight and well-insulated house. The link below i...
by charley
Wed Jan 29, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5242

Re: Most Efficient Way to Heat a Home

OP, I noticed that you live in Massachusetts. If you are served by National Grid, you might consider parts of a deep energy retrofit: https://www1.nationalgridus.com/DeepEnergyRetrofit-MA-RES?ng=us It's a holistic approach to energy reduction, and can make sense if you have other home maintenance on...
by charley
Tue Jan 28, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5242

Re: Careers you've enjoyed

I worked in the chemistry field, pilot plant engineering, plant engineering, R&D and now in Finance. Without a doubt, R&D was the most enjoyable field that I have been in. Finance, although the most lucrative, is a corporate position and that says it all. RM I work in chemistry R&D and ...
by charley
Fri Jan 24, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 3788

Re: Churning credit cards for air miles, need help

Sorry, one more question. If you need 60,000 points to get a roundtrip to Europe for example and you have 50,000 at the particular airline you are flying and 10,000 on a credit card, can you combine these points for the trip? Or are these separate? I think it depends. Some credit card points are tr...
by charley
Sun Jan 19, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 2916

Re: Churning credit cards for air miles, need help

A second recommendation to check out pointsguy. As previously mentioned, the signup bonus generally gives the highest dollar/point ratio. Depending on your level of dedication, you can also look into signing up for a Bluebird account. It's a prepaid checking/credit program from Amex. You can buys re...
by charley
Sun Jan 19, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 2916

Re: Tips for buying a $2,000 car

You might also take a look at older Lexus or Acura models. I bought a mid-90's sedan in your price range from my mechanic. It was a single-owner car (until the mechanic bought it) with a full set of dealer service records. You get the Totyota/Honda reliability, but because the cars are so old, you d...
by charley
Wed Dec 11, 2013 8:29 am
 
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2182

Re: New Investor, Wait for the Debt Limit?

If you're worried about buying high or at an inopportune time, you can dollar-cost-average into your desired assets. It would be ideal to hold off until "the lowest point" but no one can know when that will be. There are quite a few threads on lump-sum versus dollar-cost-average (DCA) inve...
by charley
Tue Oct 08, 2013 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: New Investor, Wait for the Debt Limit?
Replies: 7
Views: 923

Re: Overweighting Small Caps in TSM??

What is the logic for small cap value over small cap blend ("small cap index")? There's some wiggle in these assertions, but it goes something like this. Small cap value appears to reward based appropriately for its risk factors - small and value. Small growth on the other hand, appears t...
by charley
Thu Sep 19, 2013 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting Small Caps in TSM??
Replies: 22
Views: 1391

Re: Overweighting Small Caps in TSM??

You can search the forum for extensive discussions of this topic. Bogleheads tend to be split on the equity issue, with some preferring TSM and others preferring a small/value tilt. I think there's generally a small value tilt, as SV has had periods of outperforming TSM, and small growth (which woul...
by charley
Thu Sep 19, 2013 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting Small Caps in TSM??
Replies: 22
Views: 1391

Re: dieting and investing have a lot in common

Thanks for sharing. I like this analogy, especially considering that nutrition and investing are long-term propositions best evaluated over long periods of time.
by charley
Thu Sep 05, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: dieting and investing have a lot in common
Replies: 1
Views: 334

Re: Moving into TIAA Traditional

Thanks for all the replies.

The Wizard wrote:You can also use TREA (their Real Estate Account) as part of your non-stock allocation, but you need to keep an eye on it...


I've been reading up on this as well and hope to incorporate it when I better understand it.
by charley
Wed Aug 28, 2013 7:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving into TIAA Traditional
Replies: 24
Views: 1717

Moving into TIAA Traditional

About 8% of our portfolio is in my wife's 403b, specifically in a TIAA-CREF stock index fund (0.32 er). We're 80/20 stocks/bonds and have no trouble with keeping this allocation or placing things in tax-advantage space. Given the relatively poor performance of bonds, I'm considering replacing our in...
by charley
Tue Aug 27, 2013 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving into TIAA Traditional
Replies: 24
Views: 1717

Re: teaching kids about money

My wife turned me on to this website, and while we haven't had a chance to put it into practice yet (kid too young), I like the site. They give some practical ideas to talk about money and some benchmarks for different ages.

http://moneyasyougrow.org/
by charley
Wed Jul 31, 2013 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: teaching kids about money
Replies: 29
Views: 1809

Re: Timing Belt Change - Months or Miles if car is old?

Is it an interference or non-interference engine? If it's an interference engine and the timing belt breaks, the pistons likely hit the valves and you'll need to rebuild the engine. If it's a non-interference engine and the timing belt breaks, you need a tow truck and a new timing belt. With an inte...
by charley
Fri Jul 12, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 20
Views: 2524

Re: Thermopen

There's also the handheld version for a few dollars less ($73 for unit and probe). It's basically the same price as a sale thermapen, but the probe is easily replaceable and interchangeable if you'd like to add a cord-mounted probe to monitored roasts, etc. It's less ergonomic than a thermapen, but ...
by charley
Tue Jul 09, 2013 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Thermapen [Cooking thermometer]
Replies: 28
Views: 2663

Re: Cost comparisons

Thanks for the replies. I guess it's not really worth it when you factor in time and effort. There are some items that are much cheaper at one store (Costco milk, Trader Joes cheese), but I suspect I don't really need a list for the more obvious ones. I might look into the price book though. It coul...
by charley
Sat Jun 08, 2013 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost comparisons
Replies: 7
Views: 644

Cost comparisons

I wonder if anyone has a convenient way to keep track of prices for ordinary consumables. I have a rough idea of what things should cost, but I often find myself asking if it's better to buy something from Store A, Amazon, etc. I've thought of creating an excel sheet with commonly purchased items, i...
by charley
Fri Jun 07, 2013 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost comparisons
Replies: 7
Views: 644

Re: If you were making a PF presentation for young professio

Speaking as a member of your target age-group, I'd include a list of good websites to learn more (a reference section perhaps). I imagine a situation something like this: -Listen to presentation, realize I should think about this 401k thing. -Walk away talk to colleagues about it. -Hear someone say ...
by charley
Fri Jun 07, 2013 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you were making a PF presentation for young professionals
Replies: 30
Views: 2248

Re: Paying off mortgage question

We also have ~330k in tax advantage retirement accounts and are able to put close to the max into 401k's and Roth IRA's. Paying off all this debt would wipe out our emergency fund, but having an extra $1600 would allow us to easily build it back up and then continue to save even more. This is a per...
by charley
Wed Jun 05, 2013 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage question
Replies: 21
Views: 1530

Re: Life Insurance

Use term calc at yahoo, excellent tool I used when determining needs. This calculator is great. All the fields are on one page and the clearly explained. I'm sold on the 30 year argument. My initial hesitation was being slightly overinsured early on, but we strongly desire to have three kids. I've ...
by charley
Mon Apr 08, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1007

Re: Life Insurance

Great points, Grt2bOutdoors. Thanks again for your thoughts.
by charley
Mon Apr 08, 2013 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1007

Re: Life Insurance

Thanks for the input. I would not count on the employer provided life insurance unless you know that if you switch jobs you'll be able to keep it (plus I'd be surprised if it's cheaper than what you can get on your own individually rated policy if you are young and healthy). I've thought about this ...
by charley
Mon Apr 08, 2013 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1007

Life Insurance

My wife and I are expecting out first child this summer. We're getting ready to purchase term policies, and I'd like to gather opinions from the good folks here. We're in our late 20's, and in good health. We plan to have 3 kids. My wife will be taking a long break from her job to be a stay at home ...
by charley
Mon Apr 08, 2013 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1007

Re: New Kitchen Range suggestions

I heard it's better to have gas stove-top, electric oven. Electric heating can be more even, and because it doesn't rely on combustion, provides a drier heat. That said, if you don't bake very much, or are satisfied with the results from your gas oven, you might not notice an advantage. Also, you m...
by charley
Thu Apr 04, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: New Kitchen Range suggestions
Replies: 6
Views: 591

Re: What Type Of Wallet Do You Prefer?

I got a Slim Clip as a gift a few years ago and I really like it. It holds cards on one side and cash on the other. I tried the paperclip for a while, but I always seemed to be fiddling with separating cash from credit cards.
by charley
Wed Mar 13, 2013 11:13 am
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 7622

Re: Thanks again

Thanks again for all the information! Bogleheads really are a wonderful resource. Assuming all my application stuff goes well, I will start some pre-reg's this summer,with A&P 1 and 2 coming first. After that, I will assess what classes to take next. Am leaning towards the BSN program here loca...
by charley
Sun Mar 10, 2013 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Change - RN-NP vs. PA
Replies: 26
Views: 4175

Re: Air compressor

I have a stationary 220V unit because I run wrenches and grinders as well as nail guns. How big of a unit do you have? Do you have a separate portable unit? I've considered getting a large unit to run impact guns for the cars, and maybe just running longer hoses to reach the rest of the house on th...
by charley
Sun Feb 24, 2013 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 833

Re: Air compressor

It really depends on the intended use. If really going to use it just for trim nailers, an oilless pancake compressor should serve you well. They often come in kits with a finish nailer, brad nailer, compressor, and hose. I used one of these to complete a significant amount of finish work in my hous...
by charley
Sun Feb 24, 2013 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 833

Re: Pharma career change - anyone have experience

I appreciate all the thoughtful responses. The main thing about career change is to try to get experience in the target area... I agree that this is very important. I'm fortunate to have a department supportive of exploring other roles within the company, and I hope to take advantage of that. Lwfitz...
by charley
Mon Feb 18, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1702

Re: Pharma career change - anyone have experience

Thanks, Rich. I know a few people who have started down the path you describe, but I never really considered it. A consequence of the current state of r&d is that there are several people who have made related career moves already.
by charley
Mon Feb 18, 2013 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1702

Re: Convincing youngsters to save seriously

I belong to the cohort that the OP described and I've had better luck talking about the process of saving in terms of not-spending than directly saving. In other words, I've noticed that it's much easier to start water-cooler conversations about ways to spend less - bringing lunch from home, cancell...
by charley
Sun Feb 17, 2013 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Convincing youngsters to save seriously
Replies: 12
Views: 1286

Re: Pharma career change - anyone have experience

Thanks, Calm Man. You summarized precisely what I'm thinking and what worries me. What's your take on how far and how fast to run? It's my understanding jobs on the development side (clinical, regulatory) should more stable than research, since in-licensed drugs, medical devices, biologics and gener...
by charley
Sun Feb 17, 2013 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1702

Pharma career change - anyone have experience

I'm a non-phd bench chemist at a large pharmaceutical company. While there are several other pharmaceutical companies in the area, there isn't much demand for non-phd chemists, and options for advancement within my current department seem limited. I've been out of school for about 5 years and while ...
by charley
Sun Feb 17, 2013 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1702

Re: Major maintenance for a 1999 Toyota Camry

The website is tricky to decode. Above the car information is the cipher for the important info: "The vehicle shown is not an interference engine unless noted "Interference Engine Application" in the comments column of the Cam Belt application section. " The Cam Belt application ...
by charley
Thu Feb 14, 2013 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Major maintenance for a 1999 Toyota Camry
Replies: 26
Views: 2562

Re: Major maintenance for a 1999 Toyota Camry

Im sorry. I meant to include a link and forgot: http://www.gates.com/part_locator/index.cfm?location_id=3598&go=Interference The timing belt is, in my opinion, the biggest service item on the list. With an interference engine, a timing belt break could destroy the engine. Not so with a non-inter...
by charley
Thu Feb 14, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Major maintenance for a 1999 Toyota Camry
Replies: 26
Views: 2562

Re: Major maintenance for a 1999 Toyota Camry

Replace · - Air filter element · -Coolant · - Engine oil · -Fluid-A/T · -Fluid-Differential · -Oil filter, engine · -Timing Belt -Thermostat · -Spark plugs - do they have to be platinum? Most of those things are routine maintenance items that you would likely replace sooner than 180k miles, eg. oil...
by charley
Thu Feb 14, 2013 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Major maintenance for a 1999 Toyota Camry
Replies: 26
Views: 2562

Re: rental car insurance in Europe?

Have you checked with your credit card company? When we went to France last May, Visa would cover us for damages only if we didn't take any other rental car insurance.
by charley
Wed Jan 23, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: rental car insurance in Europe?
Replies: 5
Views: 351

Re: Trap Shooting Gun Recommendations, Please

I'd be tempted by one of the semi-autos available with shims to adjust drop, cast, and length of pull. There are several options in a wide range of prices. The higher end models will rival the price of entry-mid level over/unders. You mentioned that you don't expect him to grow much more, but an adj...
by charley
Fri Jan 18, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Trap Shooting Gun Recommendations, Please
Replies: 16
Views: 1402

Re: Good books on financial markets

Thanks for the suggestions. I'm really interested in the Little Book of Economics. It seems a bit like a light textbook, and I think that's what I'm looking for. It looks like Against the Gods and Unexpected Returns would be good followups after getting a good foundation.
by charley
Sun Dec 23, 2012 11:15 am
 
Forum: Personal Consumer Issues
Topic: Good books on financial markets
Replies: 5
Views: 525

Good books on financial markets

I hope this is the right forum for this. I'm interested in learning about the global economy and how markets work (topics like the underlying economics of financial markets, the role of the Federal Reserve, the role of the Treasury, etc). This is really to satisfy personal interest in the subject an...
by charley
Sun Dec 23, 2012 8:28 am
 
Forum: Personal Consumer Issues
Topic: Good books on financial markets
Replies: 5
Views: 525

Re: Dining in Paris and/or Rome?

You might try John Talbott's restaurant reviews for researching Paris: http://johntalbottsparis.typepad.com/ We used it when we visited in May and agreed with the favorable review of the restaurant we visited (Christophe in the 5th arrondissement or district was our special dinner of the trip). You ...
by charley
Sun Dec 23, 2012 8:13 am
 
Forum: Personal Consumer Issues
Topic: Dining in Paris and/or Rome?
Replies: 14
Views: 1331
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