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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: 5502

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: 2627

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: 3878

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: 9319

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: 1347

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: 2326

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: 33756

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: 716

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: 3151

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: 496

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: 7934

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: 3343

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: 4097

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: 2181

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: 4733

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: 2245

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: 2170

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: 1273

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: 1201

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: 18
Views: 2908

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: 940

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: 24723

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: 6397

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: 5690

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: 4188

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: 4121

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: 615

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: 4190

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: 794

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: 282

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: 9319

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: 828

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: 1645

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: 729

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: 2525

Re: Chicago Meeting #3

Bumping this post since the meeting is coming up this weekend. Come one come all :happy
by rayout
Mon Jul 29, 2013 7:09 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2525

Re: Nutrition Bars

I am a huge fan of Oskri Coconut Bars: http://www.amazon.com/Oskri-Coconut-Original-Gluten-1-9-Ounce/dp/B006JG8ALK/ref=sr_1_1?ie=UTF8&qid=1374707609&sr=8-1&keywords=oskri+bars Balance of fat, protein and carbohydrate, to keep you going unlike most other products which are basically sugar...
by rayout
Wed Jul 24, 2013 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 2959

Re: Chicago Meeting #3

Based on the poll results (and my being conscripted into helping a family member move this weekend), the meeting date is set for Sunday August 4th at 6 PM. 601 W. Randolph Street Suite 500 Chicago, IL 60661 Dial our suite # and I will buzz you in. If the weather is nice, we will be lounging on our r...
by rayout
Tue Jul 23, 2013 11:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2525

Re: The hazards of retiring ...

Do a search on Type 3 Diabetes - researchers are identifying a link between Alzheimer's and insulin resistance.

All the more reason to avoid sugar and processed foods!
by rayout
Fri Jul 19, 2013 6:50 pm
 
Forum: Personal Consumer Issues
Topic: The hazards of retiring ...
Replies: 73
Views: 8302

Re: Chicago Meeting #3

Bump. Vote for your preferred day, poll will be closing Sunday July 21st.
by rayout
Thu Jul 18, 2013 1:10 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2525

Re: Chicago Meeting #3

If you are interested in attending please vote on a day/time: http://www.doodle.com/qa32ndgttghcmgax Please fill this form here as well so I can keep the mailing list up to date and make sure we don't end up with 10 jumbo bags of chips for the pot luck: https://docs.google.com/forms/d/1r7sBMtedLbH9T...
by rayout
Wed Jul 10, 2013 7:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2525

Re: Reducing water flow to sump pump

Mine is going to cost ~ $1500. They (the plumber) are taking the sump pipe out to the town's storm water system. I believe they are going to have to go below the sidewalk to get it there. Prob cost more for each of the the downspouts I want to add to the system. I assume they have to get a permit o...
by rayout
Mon Jul 08, 2013 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2821

Re: What was your worst investment?

My first year out of college,trying to figure out what to invest in my IRA. I listened to Mad Kramer in buying "value" bank stocks 2008/2009. Cheap lesson though, became a boglehead right afterwards.
by rayout
Sat Jun 29, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7533

Re: Chicago Meeting #3

I've been busy with other networking events, organizations and workload in general so I haven't been able to organize another chapter meeting but I'm definitely in if we can figure out dates/time. My company can host again if given some notice - now that the summer is here our roof top is available....
by rayout
Tue Jun 25, 2013 10:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2525

Re: Pest control with concerns about baby

You can consider using some food-grade diatomaceous earth: http://en.wikipedia.org/wiki/Diatomaceous_earth

Unfortunately it does get washed away after heavy rains.

You can get a 10 lb bag shipped from Amazon for ~$25 .
by rayout
Sun Jun 16, 2013 12:49 am
 
Forum: Personal Consumer Issues
Topic: Pest control with concerns about baby
Replies: 12
Views: 1014

Re: Article about young americans not using credit cards

The crappy credit card I got in college allowed me to conduct an app-o-rama for $1500 worth of bonuses through 5 or 6 credit cards when I graduated. Set myself up nicely for my home purchase 3 years after that :sharebeer
by rayout
Fri Jun 14, 2013 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article about young americans not using credit cards
Replies: 81
Views: 4934

Re: What age did you reach 100K networth?

26, including home equity. Paid down a decent chunk of mortgage when refinancing.
by rayout
Fri Jun 14, 2013 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 33756

Re: Free Cars for Life [POLL]

Started off with a 94' civic with 167,XXX miles about 3 years ago. Beat it to death and sold it for $800 (half of what I paid for it) this year. Just "upgraded" to a 2005 prius with 16X,000 miles. So it begins again :)
by rayout
Thu Jun 06, 2013 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Free Cars for Life [POLL]
Replies: 77
Views: 4244

Re: Low Air Flow - Central Air Conditioning

Have you tried flipping the air filter? Some filters are uni-directional. I made sure to mark the right direction on my unit after that mistake was made :oops:
by rayout
Sun Jun 02, 2013 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Low Air Flow - Central Air Conditioning
Replies: 20
Views: 2679
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