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Re: Vegas Vacation!

Worth checking out the pinball hall of fame: http://www.pinballmuseum.org/

All earnings are donated!
by rayout
Thu Oct 16, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 3821

Re: Cast Iron Skillet Cooking

http://sherylcanter.com/wordpress/2010/01/a-science-based-technique-for-seasoning-cast-iron/ Interesting take on the matter. She also notes that lard used in the old days was from pastured pork and had higher quantities of ALA omega 3 fatty acids so lard from pastured pigs might be another option if...
by rayout
Mon Oct 13, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 107
Views: 9556

Re: How can I stop feeling depressed about my finances?

I felt the same way 6 years ago after I graduated making 50% less than my two good friends that went into IT while I instead worked for a small engineering firm. I focused on being the best employee I could be and worked as hard as possible to be better than my peers. I am now transitioning into a n...
by rayout
Mon Sep 29, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14074

Re: Where to find historical race data for specific zip code

Try city-data.com

Just checked and it had 2000 and 2009 race data for my town.
by rayout
Sun Sep 21, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Where to find historical race data for specific zip code?
Replies: 14
Views: 1426

Re: Help! Are we making a huge mistake?

I recently made a similar decision on whether to leave my current firm for another and while the monetary compensation is orders of magnitude lower than your situation, I went with the new firm which offered the most personal and career growth.
by rayout
Sat Sep 20, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 5137

Re: We have a grocery problem...

I also live in the Chicago suburbs and recently came to the conclusion that our grocery bills are WAY too high. We primarily shop at Marianos, which I guess would be considered kinda middle of the road in terms of price. As I started to analyze things, I realized that I need to shop a little bit sm...
by rayout
Fri Sep 19, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10918

Re: When did you feel "Out of the Woods"?

Bought and moved into a duplex a couple of years ago that has sufficient cashflow that I could pretty much survive frugally (i.e. no eating out) and make the mortgage assuming I had full occupancy (two roommates + 1 tenant). Pretty comfortable after that but that has not stopped me from trying to ac...
by rayout
Fri Sep 19, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5454

Re: Am I in over my head?

My problem is there is nothing I really enjoy that could translate into a career. Most of my time is spent reading and playing on the computer but things like programming don't interest me. I'd like to answer this question better but I just can't find the right words for it. If you have enough of a...
by rayout
Mon Sep 15, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4727

Re: Electronic rent payments

Chase quick pay is what I use. Can be annoying to set up for those who do not bank with Chase. I have two roommates, one prefers to use Chase Quick Pay (he banks with a local credit union), the other prefers to pay by check.
by rayout
Thu Sep 11, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic rent payments
Replies: 15
Views: 1352

Re: Issues with home inspector?

I used an inspector that charged $100 more than typical. He was recommended by a real estate lawyer and was worth every penny. I probably spent close to $2,000 on various inspections of rental properties with him before I made purchase. He was extremely well versed on the construction methods of hom...
by rayout
Fri Sep 05, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1139

Re: Mortgages and financial freedom

My current residence is a duplex. I rent out the other side. I plan on paying off my mortgage at 3.625% as slowly as possible :)
by rayout
Mon Aug 25, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 7093

Re: Runners and compression socks

The VP of my company is an avid runner and swears by compression socks. He says they have helped reduce his recovery time by a noticeable margin.

I on the other hand ran barefoot yesterday since I forgot my running shoes at home :)
by rayout
Tue Aug 12, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1598

Re: Chicago Bogleheads Meeting August 18, 2014

Unfortunately I will not be able to attend August 18th as I have another event that would conflict. Should be able to make it to the event in September.
by rayout
Wed Aug 06, 2014 7:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Bogleheads Meeting August 18, 2014
Replies: 2
Views: 462

Re: Are utility stocks no longer safe?

I don't purchase the utility sector or any individual utility stocks. Anecdotally, I do have a friend that works for an electric utility and what he tells me about the industry is pretty chilling. Apparently alot of the profit is obtained from trading electricity, especially at peak times. His firm ...
by rayout
Fri Aug 01, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Are utility stocks no longer safe?
Replies: 22
Views: 2176

Re: Options/guidance for a lazy person to be fit

What worked for me (195 lbs with no muscle to 170 lbs with muscle): Diet: I focused on food quality versus quantity. Have not counted calories or restricted intake during my entire fitness journey. Went low-carb for a while but have since increased carb intake but am still below 100 grams per day. I...
by rayout
Sat Jul 19, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 6534

Re: CD ladder emergency fun

This website has great listings about various accounts and CDs available locally and nationally:

http://www.depositaccounts.com/
by rayout
Sun Jul 13, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD ladder emergency fun
Replies: 22
Views: 2761

Re: Investing is starting to get boring

Boring it is. Read this forum daily once I got the bug. Automated my investments and now only stop by every few months or so.

Probably when the next "crash" hits there will be some more activity...
by rayout
Sun Jul 13, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 4317

Re: [Eating] Fish

Recently found out walmart has farmed mussels for a little over $2/lb in my area. Comes in a 2 lb bag, pre-cooked. Just poke some holes in the bag, microwave for 5 minutes and add to a dish or just enjoy with some butter. Great for an easy, nutritious meal: http://www.walmart.com/ip/Fishin-Mussels-2...
by rayout
Wed Apr 23, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9928

Re: squirrel question

Stew pot works :)
by rayout
Sat Apr 12, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: squirrel question
Replies: 13
Views: 1367

Re: Market falling emotions

Maybe switch it over to Friday :)
by rayout
Mon Apr 07, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2377

Re: What age did you reach 100K networth?

Hit it at the age of 25 in 2012
by rayout
Fri Mar 28, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35232

Re: insurance for my 8 yr old accord

I'd keep comprehensive coverage. It's cheap and will cover you if your kid hits a deer or something. Definitely something to keep in mind if you are in a rural/suburban area with a large deer population. Also covers vandalism and theft - things that your kid might be slightly more exposed to as a yo...
by rayout
Sun Mar 16, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: insurance for my 8 yr old accord
Replies: 11
Views: 722

Re: Which Chromebook?

A Dell Venue 8 Pro tablet with full Windows 8 is available at the same price point and is a bit more full featured. Something to think about - I am seriously considering picking up. The only thing I am waiting for is for Intel to upgrade the Atom processor powering these tablets enough to emulate cu...
by rayout
Thu Feb 13, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 42
Views: 3539

Re: Help! I'm so new and need help! [Portfolio help]

I like Mango Money: 6% APY on up to $5,000 (really around 4% after fees): https://www.mangomoney.com/
by rayout
Sun Feb 09, 2014 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Help! I'm so new and need help! [Portfolio help]
Replies: 8
Views: 507

Re: The Gecko cost me a lot of $. How often to switch car in

Geico's auto-insurance and umbrella policy rates have been unbeatable for me...literally half of what other companies charge. Now many companies will play games by discounting auto insurance to next to nothing while charging and inflated home owners insurance rate. I found that the lowest cost for m...
by rayout
Sun Feb 09, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 8069

Re: "If your parents died early, will you die early too?"

wander wrote:Study is no longer true with one word "cancer".


Cancer was unheard of in native populations eating their traditional diets. I'll leave it at that since medical discussion is not allowed but I do plan on living much longer than my parents.
by rayout
Sun Feb 09, 2014 12:49 am
 
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 3474

Re: Why do Bogleheads invest differently?

I do a fairly basic 5 fund strategy (Total market, Total Bond, International with 10% Small cap value and 5% REIT). I just automate my strategy so I never pay attention to the market except once a year when I re-balance and adjust my monthly investments. Could I get a bit more return over time by sl...
by rayout
Sun Feb 09, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads invest differently?
Replies: 40
Views: 4213

Re: Dental Insurance?

I do a "dental plan" for around $180/year. It covers an exam and cleaning every 6 months and x-rays once a year. However the best insurance for your teeth are to eliminate sugar from your diet since fermentable carbohydrates are what cause cavities: http://en.wikipedia.org/wiki/Dental_cari...
by rayout
Sat Jan 25, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 30
Views: 2226

Re: Its Hard Being A Boglehead!!

Investing is so boring now :P

Oh well, at least I get to bust out the popcorn whenever something like tulips and bitcoins roll around.
by rayout
Fri Dec 27, 2013 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Its Hard Being A Boglehead!!
Replies: 62
Views: 4753

Re: should you invest in BRK?

1 share of BRK.B is all it takes to get a discount on my car insurance through Geico so thats all I hold :)
by rayout
Tue Nov 05, 2013 9:55 am
 
Forum: Investing - Theory, News & General
Topic: should you invest in BRK?
Replies: 19
Views: 2272

Re: Thoughts on door prizes for a holiday party?

Scratch off-tickets would be fun - you can spend $1-$5 per person and everyone has a bit of entertainment out of it. Careful that it doesn't backfire and you lose a key employee :P Consider a white elephant gift of some sort. My boss's former firm would raffle off the most beat up company car each y...
by rayout
Tue Oct 15, 2013 12:00 am
 
Forum: Personal Consumer Issues
Topic: Thoughts on door prizes for a holiday party?
Replies: 40
Views: 2436

Re: Anyone run a remanufactured engine in their car?

My first car was a 1994 Honda which I bought in 2010 for $1600. When I took it for its first oil change the service tech said it had a junk yard engine in it based on the part number scribbled on to it in chalk. I paid $1600 for it, drove it for 3 years without any issues (other than what I caused f...
by rayout
Fri Oct 11, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Anyone run a remanufactured engine in their car?
Replies: 21
Views: 1318

Re: Halloween Is Coming

Ikea dark chocolate - $1 for 3.5 oz bar....but looks like others got the same idea and they are sold out locally :(
by rayout
Fri Oct 11, 2013 1:31 am
 
Forum: Personal Consumer Issues
Topic: Halloween Is Coming
Replies: 21
Views: 1218

Chicago Chapter Meeting #4

Last meeting was early August so I am gauging interest another meeting early November or late October? Please post your preference for weekend or weekday. I will be sending out an email to previous attendees this weekend. Also - is anyone interested in hosting or trying a new venue? My company can h...
by rayout
Fri Oct 11, 2013 12:54 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Chapter Meeting #4
Replies: 22
Views: 3581

Re: [late fees for city services - any recourse?]

Doesn't hurt to call. I am responsible for past due water bills for my rental property. Village was going to charge a turn on fee due to a past due balance from a previous tenant. Called and was polite, stating that I never personally received the shut off notice but would gladly pay the original pa...
by rayout
Wed Sep 25, 2013 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: [late fees for city services - any recourse?]
Replies: 11
Views: 945

Re: Body by Science Workout

That's basically what I was getting at. I stopped my strength training because I didn't see much improvement, while simultaneously noticing that my aerobics and flexibility were decreasing. I like running and being in shape to do heavy physical labor - like moving a pile of cinder blocks from Point...
by rayout
Sun Sep 22, 2013 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 26324

Re: Weight Loss Plans?

Pick a diet you and stick with it and stick with it. To be honest any diet that greatly limits sugar and alcohol intake and focuses on whole foods should do the trick. For me that means a low carb, high fat diet (i.e. mostly meats and veggies) with no calorie counting/restriction. I've added more ca...
by rayout
Sun Sep 22, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 109
Views: 6571

Re: The Rent is Late

Don't fall into this trap. It a business.

People fall behind and they don't catch back up. Its always one disaster after another - car in the shop, back to school season, etc.
by rayout
Fri Sep 20, 2013 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 5694

Re: Why the explosion in the "donation box" industry?

Many private thrift shops set up quasi charities to get donations to sell. Pretty much a racket for the owner but benefits frugal shoppers like me :) Overall these private shops end up presenting the merchandise in a much more organized fashion. I have no idea how the Salvation Army shop makes money...
by rayout
Sat Sep 07, 2013 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Why the explosion in the "donation box" industry?
Replies: 39
Views: 4307

Re: re: Suggestions for Las Vegas

Into pinball/arcade games at all? Check this place out: http://www.pinballmuseum.org/ I recommend grabbing this book: http://www.americancasinoguide.com/2013-american-casino-guide-coupon-list.html Good gambling coupons which you might as well use if you are visiting one of the casinos (the match pla...
by rayout
Fri Sep 06, 2013 10:49 pm
 
Forum: Personal Consumer Issues
Topic: re: Suggestions for Las Vegas
Replies: 44
Views: 4420

Re: Need for new home buyer's agent?

I'd ask for a return of 50% of the commission the agent is getting from representing you, 75% if the home price is high and you are helping the agent's daughter with a professional opportunity. In my experience there is no conflict of interest since the system is broken from the start. Buyer agents ...
by rayout
Sat Aug 31, 2013 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Need for new home buyer's agent?
Replies: 11
Views: 623

Re: Door to door annoyances--easy way to stop?

Just need a hole in your door and some paint: http://www.youtube.com/watch?v=-Kee7iyp_3U
by rayout
Tue Aug 20, 2013 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Door to door annoyances--easy way to stop?
Replies: 60
Views: 4340

Re: Citi Thank You rewards Cardmember bonus

What card do you have? I have a Citi Forward and I get 1 base point per purchase. All other purchases in special categories get an additional 4 points (restaurants, movies, music stores, book stores) which shows up in a separate category as a bonus.
by rayout
Sun Aug 18, 2013 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Citi Thank You rewards Cardmember bonus
Replies: 2
Views: 944

PerkStreet Closing Shop - Must Redeem Perks by Aug 12th

They are having a full shut down September 26, 2013. Perks not redeemed by August 12th are forfeit.

Announcement: http://www.perkstreet.com/announcement.aspx

Explanation: http://www.perkstreet.com/explanation.aspx
by rayout
Mon Aug 12, 2013 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: PerkStreet Closing Shop - Must Redeem Perks by Aug 12th
Replies: 0
Views: 284

Re: [Eating] Fish

Trying this recipe this weekend: http://www.simplyrecipes.com/recipes/sa ... ian_style/

Grocery store had a fire sale on wild caught salmon: $4 for a 2lb bag of frozen fillets! I bought 6 bags so far and am thinking of going back. Cooking 4lbs today :)
by rayout
Sat Aug 10, 2013 9:13 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9928

Re: Tuna Fish Shock

Its the bloodline that is typically removed: http://www.youtube.com/watch?v=ROuE6RflmKY Also its an interesting cut of meat. Typically discarded due to blood content and toughness. I bought several pounds from my local Japanese grocery for $1/lb since they considered it a waste product. Fry it up me...
by rayout
Sat Aug 10, 2013 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Tuna Fish Shock
Replies: 3
Views: 830

Re: Threat of losing Car Insurance after one accident

Has the person been in the hospital and gotten x-rays? A co-worker of mine had a brain tumor that was causing micro-blackouts and seizures in his mid twenties. Congenital issue that has since been resolved but he goes in once a year for a scan just in case. Scary stuff!
by rayout
Wed Aug 07, 2013 1:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Threat of losing Car Insurance after one accident
Replies: 21
Views: 1731

Re: Health insurance for my daughter (college)

Get a quote here: http://www.ehealthinsurance.com/

You will get plenty of coverage options at various price points. You can do all the comparison shopping in one place.
by rayout
Sat Aug 03, 2013 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health insurance for my daughter (college)
Replies: 13
Views: 747

Re: Chicago Meeting #3

Bump! We're on for this Sunday, August 4th at 6PM. Come one come all! If you decide to come at the last minute here's the info you'll need: 601 W. Randolph Street Suite 500 Chicago, IL 60661 Hit 5 on the intercom and I will buzz you in. Ride the elevator to the 4th floor and go left out of the doors...
by rayout
Fri Aug 02, 2013 8:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2581
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