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by gatorking
Mon May 11, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 3950

Re: Should I buy a lighter bicycle or lose body weight?

I suggest getting a heavier bike. This will give you more incentive to lose weight and might even make it easier. :)
by gatorking
Fri May 08, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 133
Views: 15060

Re: much ado about coasting (through life)

OP,
I recommend reading up on the philosophy of Epicurus.
by gatorking
Tue May 05, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: best financial gift for very young child
Replies: 19
Views: 1639

Re: best financial gift for very young child

What I did was invest $X dollars in VTSMX (total stock market index) in my own account. I do not consider this my money though. I will gift these shares at an appropriate time, maybe at graduation, or for purchase of new home ...
by gatorking
Mon Apr 13, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Where to buy toddler / kids sneakers?
Replies: 15
Views: 956

Re: Where to buy toddler / kids sneakers?

I used to get my daughter the Airwalk brand sneakers from Payless.
e.g. http://www.payless.com/girls-rio-washed ... ys&start=8
by gatorking
Fri Apr 10, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Which Moto G or a different phone?
Replies: 20
Views: 2176

Re: Which Moto G or a different phone?

I would recommend a phone with at least 16Gb built in memory. Phones come pre-loaded with a ton of software and you need at least 16Gb memory for photos, apps, music etc. Ability to inset a micro-SD card is also a plus.
by gatorking
Wed Mar 18, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2324

Re: Negotiate daycare rate?

Steelersfan wrote:If it's operated by a school then it's almost certainly a not for profit operation.

Who do you propose should pay more if you pay less?

Or which teacher should take a pay cut?


Goddard School is a franchise business.
http://www.goddardschool.com/about-goddard-systems
by gatorking
Fri Mar 13, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3735

Re: An arm and a leg ... for a middle finger?

In the future you should ask the cost up front. Good luck with that. Massachusetts has passed a price transparency law that requires doctors to provide cost estimates. http://blog.massmed.org/index.php/2014/01/mass-medical-price-transparency-law-rolls-out-physicians-must-be-able-to-estimate-costs-f...
by gatorking
Thu Mar 12, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 3763

Re: Blues (music)

Check out the "Bluesify" app within Spotify.

http://shorefire.com/releases/entry/blu ... -the-blues
by gatorking
Mon Mar 02, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Another Cold Weather Car Question
Replies: 6
Views: 698

Re: Another Cold Weather Car Question

I have a different problem - once the door opens it doesn't want to shut. The door latch freezes and does want to catch on to the D-ring.
by gatorking
Sat Feb 14, 2015 8:03 pm
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1718

Re: Best Men's Winter Pants

I have been wearing LL Bean flannel lined pants and jeans this winter in Boston. My typical morning commute involves a 12 minute walk from bus stop to office at 6.30 am. Is that enough of a recommendation?
by gatorking
Tue Jan 06, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 37
Views: 2830

Re: Keurig Coffee Makers

Consider getting one of these instead
https://homecatalog.bunn.com/?fcode=m_c ... 42900-0301
by gatorking
Mon Jan 05, 2015 7:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Hobbies + Free Time
Replies: 11
Views: 2157

Re: Hobbies + Free Time

Get the book "How to Retire Happy, Wild, and Free" by Ernie J. Zelinski. It contains a section titled "Get A Life Tree: Options for Retirement" though the ideas can be implemented right away. The activities are broken down by: - Activities that turn me on now - Activities that tu...
by gatorking
Fri Jan 02, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Bunn trifecta (coffee maker)
Replies: 8
Views: 952

Re: Bunn trifecta (coffee maker)

This one might be sufficient for your needs.
https://homecatalog.bunn.com/product/Ho ... 42900-0301
by gatorking
Fri Jan 02, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 42
Views: 3902

Re: H&R Block Tax Software - Low Prices at Amazon

Thanks for the heads-up. I just ordered.
by gatorking
Thu Dec 11, 2014 1:56 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 16899

Re: Documentaries to recommend?

The Lottery of Birth Available on Amazon Prime and Hulu (http://www.hulu.com/watch/567185) From imdb: THE LOTTERY OF BIRTH is the first in a three-part documentary series entitled 'Creating Freedom' exploring the relationship between freedom, power and control in Western democracies. The series draw...
by gatorking
Tue Dec 09, 2014 9:50 am
Forum: Personal Finance (Not Investing)
Topic: HDHP: In-network vs self-pay
Replies: 6
Views: 543

Re: HDHP: In-network vs self-pay

pancake19 wrote:I think what I am hearing from you is for in-network doctors they should charge me the insurance-negotiated rate even though I am going to pay 100% of that. This should/can then be compared to out of network doctors' no-insurance rate. Is that correct?

Yes.
by gatorking
Tue Dec 02, 2014 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How much homework is too much?
Replies: 14
Views: 1406

Re: How much homework is too much?

My child's elementary school teachers insisted that children spend no more than half hour on homework (even if it meant leaving it incomplete) and a minimum of 20 min reading.
by gatorking
Tue Nov 25, 2014 10:58 am
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11097

Re: Favorite nonfiction books

You could read through "What Book are you currently reading? Parts I though VI" for more recommendations.
viewtopic.php?f=11&t=147398&newpost=2271229

The first post has links to parts I through V.
by gatorking
Tue Nov 25, 2014 10:14 am
Forum: Personal Consumer Issues
Topic: Vegan Raw Food Diet
Replies: 33
Views: 4477

Re: Vegan Raw Food Diet

I would recommend adding sprouted beans to your diet. You could eat them raw or lightly steamed, if that is raw enough for you.
Most of all, I recommend being truthful to yourself about how you feel on any diet.
Good luck.
by gatorking
Sat Nov 22, 2014 8:51 am
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 55
Views: 5349

Re: Why I will fund retirement with TIPs ladder no matter wh

Those that save still have more than those who didn't, and are more practiced at LBTM . Apologies, but I sometimes suffer from Acronym Decoding Disorder. :) "LBTM" stands for . . . what? I'm guessing here: Living Below Their Means Beyond doesn't seem to fit the context of the sentence. :h...
by gatorking
Sat Nov 22, 2014 7:54 am
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 10776

Re: Life purpose revisited

Some of the lectures from Havard’s famous Positive Psychology 1504 are on youtube: https://www.youtube.com/watch?v=IwUecXRvnS0 And if you don't care for Positive Psychology I recommend The Antidote: Happiness for People Who Can't Stand Positive Thinking by Oliver Burkeman http://www.amazon.com/Anti...
by gatorking
Fri Nov 21, 2014 7:47 pm
Forum: Investing - Theory, News & General
Topic: The mathematics of recouping loss
Replies: 11
Views: 1298

Re: The mathematics of recouping loss

The graph doesn't care about compounding. It takes 62 consecutive 1% declines to get from 100 to 50 (50% loss) and 62 consecutive 1% increases to get from 50 to 100 (100% increase). I get 70 1% increases to get to 2 and 69 1% decreases to get to 0.5. Yes, you are correct. I was counting on memory a...
by gatorking
Fri Nov 21, 2014 2:59 pm
Forum: Investing - Theory, News & General
Topic: The mathematics of recouping loss
Replies: 11
Views: 1298

Re: The mathematics of recouping loss

The graph doesn't care about compounding. It takes 62 consecutive 1% declines to get from 100 to 50 (50% loss) and 62 consecutive 1% increases to get from 50 to 100 (100% increase).
by gatorking
Tue Nov 11, 2014 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2337

Re: Assisted Living

I recommend http://atulgawande.com/book/being-mortal/
Not all assisted living facilities are created equally.
by gatorking
Tue Nov 11, 2014 10:17 am
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7951

Re: Food Frugality: Where do you draw the line?

Frugal doesn't mean miserly or stingy. From the Frugal Gourmet - "People criticize me for enjoying good food when I use the word frugal. Frugal doesn't mean cheap. It means you don't waste your money. They haven't read my books. They don't know the meaning of the word." http://en.wikipedia...
by gatorking
Thu Oct 02, 2014 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 4125

Re: Should I (physician) get an MBA?

There was an article in The Atlantic on this just a couple of days ago.

http://www.theatlantic.com/education/ar ... ee/380683/
by gatorking
Sat Sep 27, 2014 12:45 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 2271

Re: Gas Water Heater Upgrade worth the $$$

I have a fairly new electric water heater and a gas line piped to the location. It isn't worth it for me to trash the electric water heater and replace it with a gas heater. This is essentially the same situation you are in.
by gatorking
Mon May 19, 2014 6:53 am
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1116

Re: USC vs. Columbia

Are you planning to become a teacher or an administrator? At what level?
by gatorking
Mon Apr 07, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 1414

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

Instead of staying in Tusayan, I recommend driving to Flagstaff and staying there. If you choose to do this, you might want to stop in at Mother Road Brewing Co. http://www.motherroadbeer.com/?=verify
by gatorking
Wed Apr 02, 2014 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 12970

Re: Laid off today... TODO list?

1. Activate family health plan on my wife's side (she works, but we were using my plan so far) You might have to wait until their open enrollment period. Between now and then you may have to take COBRA. This should count as a change in status, so you should be able to enroll in your wife's plan.
by gatorking
Wed Apr 02, 2014 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Accept Job Offer from Company that Filed for Bankruptcy?
Replies: 29
Views: 2813

Re: Accept Job Offer from Company that Filed for Bankruptcy?

I say go for it. For some reason, I'm reminded of this episode of Star Trek: http://en.wikipedia.org/wiki/Tapestry_% ... eration%29
by gatorking
Wed Apr 02, 2014 8:06 am
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1749

Re: GPS with "favor interstates" option?

Try using the Waze app on a smartphone.
by gatorking
Tue Mar 18, 2014 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Two cent check from Vanguard
Replies: 27
Views: 2019

Re: Two cent check from Vanguard

Use it to give people advice. :D
by gatorking
Mon Mar 17, 2014 2:40 pm
Forum: Personal Consumer Issues
Topic: Genetic Testing
Replies: 10
Views: 1224

Re: Genetic Testing

From 23andMe: At this time, we have suspended our health-related genetic tests to comply with the U.S. Food and Drug Administration’s directive to discontinue new consumer access during our regulatory review process. In the future, you may be able to receive health-related results, dependent upon FD...
by gatorking
Sat Mar 15, 2014 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vested RSU's - I didn't sell them, now what
Replies: 16
Views: 1562

Re: Vested RSU's - I didn't sell them, now what

Ask yourself - if I had $XXXX in cash would I use it to buy my company stock? If the answer is No, sell the stock.
by gatorking
Tue Mar 11, 2014 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to paying full real estate commissions?
Replies: 31
Views: 3094

Re: Alternatives to paying full real estate commissions?

I've heard good things about Redfin.
by gatorking
Tue Mar 04, 2014 6:46 pm
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1460

Re: Yet another 4% article

https://www.jpmorganfunds.com/blobcontent/4/185/1323375351903_ES-DYNAMIC.pdf Link to jpmorgan's summary of their model. Of particular interest is page 5. If I'm reading it correctly, they recommended a bond allocation of only 14% for a hypothetical couple age 60 with an income stream of $50,000/yr ...
by gatorking
Tue Mar 04, 2014 4:14 pm
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1460

Re: Yet another 4% article

https://www.jpmorganfunds.com/blobcontent/4/185/1323375351903_ES-DYNAMIC.pdf Link to jpmorgan's summary of their model. Of particular interest is page 5. If I'm reading it correctly, they recommended a bond allocation of only 14% for a hypothetical couple age 60 with an income stream of $50,000/yr ...
by gatorking
Tue Mar 04, 2014 1:06 pm
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1460

Yet another 4% article

From Marketwatch: Now, J.P. Morgan is entering the fray with an alternative to the 4% rule of its own. ... The bank’s “Dynamic Withdrawal Strategy” adjusts both withdrawal rates and a portfolio’s investment allocations annually, in response to changes in both the markets and a retiree’s personal cir...
by gatorking
Mon Mar 03, 2014 10:25 am
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 5222

Re: How much is a fair hourly fee?

Rick, By throwing out a number you have caused "anchoring", so I suggest that your responses are biased by this. http://en.wikipedia.org/wiki/Anchoring "In another study by Tversky and Kahneman, participants observed a roulette wheel that was predetermined to stop on either 10 or 65. ...
by gatorking
Sat Feb 08, 2014 9:15 am
Forum: Personal Consumer Issues
Topic: apple 4 or 5
Replies: 17
Views: 1220

Re: apple 4 or 5

- Apple works very hard on "planned obsolescence". Go with the latest version.
- A friend of mine upgrades his iPhone every 2 years. He has always made money on the cost of the phone by selling the unlocked 2 yr old phone for more than he paid for it.
by gatorking
Fri Feb 07, 2014 4:10 pm
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 3690

Re: Any less expensive sources for Lipitor?

Ask your doctor why Lipitor. Can't Lovastatin do the job (on the $4 menu at Walmart)?
by gatorking
Thu Feb 06, 2014 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Exercising stock options and wash sales
Replies: 1
Views: 310

Exercising stock options and wash sales

I received my Fidelity tax form today and was surprised to see losses disallowed due to wash sales. The situation is as follows On 12/2 exercised options cost basis $4000 and sale price $3975 for loss of $25 which by the way is the commission. The exercise and sell price are identical. On 12/13 exer...

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