Search found 115 matches

by AlwaysBeClimbing
Thu Sep 28, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9676

Re: My boneheaded financial mistakes

As a relatively young and naive investor I followed the advice of some "guru" named Bob Brinker ( infamous QQQ call). Took a while to get over the sting of that one.
by AlwaysBeClimbing
Thu Sep 28, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14744

Re: Why do you LBYM? Why do you save and invest?

I LYBM in case I wind up in good health at age of standard life expectancy. Having good health and no money is probably as unpleasant as being in bad health with a lot of money. Also, I don't feel the urge to consume simply for the sake of consuming. I get things I need and if there's a want I can j...
by AlwaysBeClimbing
Thu Sep 28, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Propane Stove For Earthquake Kit
Replies: 24
Views: 1427

Re: Propane Stove For Earthquake Kit

I keep three 20 lb tanks filled at all times for emergencies. I picked that number based on an estimate of how many days I would need to run a propane heater to keep a portion of my well insulated and air sealed home at or above the 50 degree mark in winter. My Coleman stove functions as both heater...
by AlwaysBeClimbing
Mon Sep 25, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8426

Re: Where do you get your news?

local newspaper
counterpunch.org
unz.com
sprinkle in a few others on occasion


No news like bad news and it’s mostly all bad, it's become more of a time waster than anything. I’ve tried quitting cold turkey but can only go a few days before the hook bites and I'm reeled back in again.
by AlwaysBeClimbing
Sun Sep 24, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: "Fidelity and Vanguard Online Fraud Policies"
Replies: 11
Views: 2176

Re: "Fidelity and Vanguard Online Fraud Policies"

I would check the actual terms and conditions on Vanguard's site, not some stupid consumer reports article. +1 Checking VG's online fraud policy I can see no mention of "two factor authentication" being required. Perhaps it was in the past? When Vanguard first went online, they required the user to...
by AlwaysBeClimbing
Sun Sep 24, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: "Fidelity and Vanguard Online Fraud Policies"
Replies: 11
Views: 2176

Re: "Fidelity and Vanguard Online Fraud Policies"

Nate79 wrote:
Sat Sep 23, 2017 9:04 pm
I would check the actual terms and conditions on Vanguard's site, not some stupid consumer reports article.
+1

Checking VG's online fraud policy I can see no mention of "two factor authentication" being required. Perhaps it was in the past?
by AlwaysBeClimbing
Sat Sep 23, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Experian will give you your pin on-line!
Replies: 9
Views: 1489

Re: Experian will give you your pin on-line!

This relates to a point I made in previous posts where there was a debate as to whether one should freeze or lock(using TU's free service) one's TransUnion account. The majority consensus was a freeze is more secure. IMO this simply ignores the fact that we don't know what is going in 'under the hoo...
by AlwaysBeClimbing
Fri Sep 15, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1402

Re: Should I upgrade an old but functional vanity?

Being handy I might just replace the countertop/sink( yours doesn't look that bad though) and maybe throw a coat of white paint on the rest. Otherwise, no.
by AlwaysBeClimbing
Fri Sep 15, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: TransUnion - Credit Lock vs. Freeze
Replies: 9
Views: 845

Re: TransUnion - Credit Lock vs. Freeze

What this whole lock vs freeze brewhaha misses is that we really don't know what goes on 'under the hood'. Ascribing mal intent to TU for offering a free lock while at the same time trusting them to be above board in other handling of our credit files makes no sense whatsoever. Equifax stored our da...
by AlwaysBeClimbing
Thu Sep 14, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3983

Re: TrueIdentity from TransUnion - free credit freeze and protection?

A lock is NOT the same as a freeze. You make your own choices! Here is an excellent, authoritative discussion: https://krebsonsecurity.com/2017/09/the-equifax-breach-what-you-should-know/ "You make your own choices! " I think I said that. "Here is an excellent, authoritative discussion:" Good discu...
by AlwaysBeClimbing
Thu Sep 14, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3983

Re: TrueIdentity from TransUnion - free credit freeze and protection?

Freeze and the fees are stipulated by law. Lock is defined unilaterally as a product. It can be the same as freeze today or not so tomorrow. It's free today but it doesn't have to be tomorrow. That's the difference. See my reply to DaftInvestor above. If it becomes "unfree" tomorrow, then I can sim...
by AlwaysBeClimbing
Thu Sep 14, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3983

Re: TrueIdentity from TransUnion - free credit freeze and protection?

I have been using it for several months now. As I understand the difference is that the freeze is regulated by state and federal laws however the lock is not. They both accomplish the same thing that is block access to your credit report. The freeze requires the PIN to unfreeze, the credit lock onl...
by AlwaysBeClimbing
Wed Sep 13, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7593

Re: Best Lower Cost USA Cities to Live

Just remember that low cost of living and quality of life do not necessarily go hand in hand. And the converse is also true. A lot of places have been bid up massively in cost because everyone just had to move there because it WAS such a great place, and now massively overcrowded and built-up so th...
by AlwaysBeClimbing
Wed Sep 13, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3983

Re: TrueIdentity from TransUnion - free credit freeze and protection?

I have been using it for several months now. As I understand the difference is that the freeze is regulated by state and federal laws however the lock is not. They both accomplish the same thing that is block access to your credit report. The freeze requires the PIN to unfreeze, the credit lock onl...
by AlwaysBeClimbing
Tue Sep 12, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7593

Re: Best Lower Cost USA Cities to Live

Just remember that low cost of living and quality of life do not necessarily go hand in hand. And the converse is also true. A lot of places have been bid up massively in cost because everyone just had to move there because it WAS such a great place, and now massively overcrowded and built-up so th...
by AlwaysBeClimbing
Tue Sep 12, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 1999

Re: Potential downsides of placing a credit freeze?

This is why I signed up for TransUnion True Identity service(free),which let's me toggle freezing for TU whenever needed. I froze the other four agencies.
by AlwaysBeClimbing
Mon Sep 11, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3983

Re: TrueIdentity from TransUnion - free credit freeze and protection?

Went ahead and signed up for TI, if there's a downside I'm not seeing it. I froze the other four agencies and have this one I can toggle "on" if needed. I'm guessing this will steer a lot of business TU's way.
by AlwaysBeClimbing
Mon Sep 11, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47372

Re: Equifax customer information leak

Just did a free online freeze for [Equifax --admin LadyGeek] for me and the spouse, it was actually easy to do. Both times got a "could not find credit file" message, not sure what implication, if any, there is to that.
by AlwaysBeClimbing
Sun Sep 10, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11381

Re: Anyone else freeze their credit score?

Nope. Placed a fraud alert and will renew every 90 days. Have free credit monitoring through credit card providers and Credit Karma, and will use the three free annual credit reports(one every four months). Will freeze Innovis since it is free. If my state ever does the right thing and makes freezin...
by AlwaysBeClimbing
Sun Sep 10, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3493

Re: Flood Insurance when not in flood plain?

Do you live downstream of any major dam(s)? A dam failure from any cause, could give you double digit feet of water in a hurry depending on your elevation and location relative to the watercourse.
by AlwaysBeClimbing
Wed Sep 06, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2880

Re: Ideas to use a large flat space in yard

That's a nice sized plot of dirt. Maybe there's someone ( 4H kid or somesuch) who could take over managing the plot and share with you whatever crop they grow.
by AlwaysBeClimbing
Wed Sep 06, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24278

Re: Name something you had to have and now you regret purchasing it?

A boat. It was 30+ years ago, and it still makes me wince to think about it. The biggest and whitest elephant of them all.
by AlwaysBeClimbing
Tue Sep 05, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Put These Charts On Your Wall
Replies: 11
Views: 3211

Re: Put These Charts On Your Wall

Great charts and a great blog this guy Bilello has, lots of good articles. OP, thanks for the posting.
by AlwaysBeClimbing
Sat Aug 26, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Credit Cards - Disaster
Replies: 42
Views: 5323

Re: Capital One Credit Cards - Disaster

"Unread post by 2015 » Fri Aug 25, 2017 3:06 pm littlebird wrote: ↑Fri Aug 25, 2017 1:28 pm 2015 wrote: ↑Fri Aug 25, 2017 1:04 pm Data points.Had the CapOne CC for years, over a decade. No issues whatsoever. I've never talked to a rep anywhere who was "confused" when I was organized and took the ti...
by AlwaysBeClimbing
Sun Aug 20, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13630

Re: I own no international stocks. Can you guess why?

Probably for the same reason you've likely been gradually reducing your overall stock exposure, risk reduction.
by AlwaysBeClimbing
Fri Aug 18, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4932

Re: Thoughts on Chase for everyday banking

Chase offers current and former military members no fee checking and savings accounts, no minimum balance, free checks, no fee cashier's checks, reduced fees on safety deposit boxes. Very nice of them to offer this! I have also found their customer service to be outstanding. +1. Very happy with Cha...
by AlwaysBeClimbing
Wed Aug 16, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5046

Re: Best Housing To Avoid Noise

Having the option to close windows(double pane minimum) and run A/C when necessary is nice to have as well. The A/C is the primary noise that bothers me. I'd rather open the windows and hear what's going on outside. A/C too noisy? I'm guessing you have a window unit(s), my ductless heat pump is whi...
by AlwaysBeClimbing
Tue Aug 15, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5046

Re: Best Housing To Avoid Noise

Sensitivity to noise is somewhat subjective. My wife can sleep through anything, myself not, I need dead quiet. My experience with condo/apartment living was mixed, some quiet some not. I found out the magic of earplugs combined with quality ear muffs. White noise generators/fans can be of help. Als...
by AlwaysBeClimbing
Mon Aug 14, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14954

Re: How far would you travel to see The Eclipse?

Even partial solar eclipse is a big deal. Things do get weird. One just feels it. The shadows take interesting shapes. But if you do not have curious mind or hate the overhype, then it is no big deal to you. As somebody said in previous reply, we lose sun every 24 hours :-) I consider myself to hav...
by AlwaysBeClimbing
Mon Aug 14, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: LED bulbs for enclosed fixtures
Replies: 19
Views: 2223

Re: LED bulbs for enclosed fixtures

I have some ceiling fans and porch lights ( all enclosed ) that I really wanted to outfit with some inexpensive LEDs that I picked up at HD's bargain bin. So, I carefully drilled several 1/4" holes in the top of each fixture, which will hopefully allow enough heat to escape and give me the rated lif...
by AlwaysBeClimbing
Fri Aug 11, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5420

Re: Buying a Vehicle the Old Fashioned Way

Maybe it's just me, but I could never understand the heated(yes, I've seen people spontaneously combust over this topic) desire to pump one's own...gas. Personally, I consider it one of life's small luxuries to have someone do it for me. Saves me having to get out of my car in inclement weather, in...
by AlwaysBeClimbing
Fri Aug 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5518

Re: Oregon road trip help

Guess your handle is meant to be ironic -- unless it's social climbing :happy . Enjoy the great indoors! Pics are not the same. If you think that pics are a good substitute, I have a great money-saving tip for you on cars, homes, travel, relationships... :D . Based upon my unintentional BH poll, it...
by AlwaysBeClimbing
Fri Aug 11, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5518

Re: Oregon road trip help

I haven't seen so much apocalyptic prediction around an eclipse since, well... :D . Maybe all of you "sheltering in place" can at least make some loud noises to scare the dragon away. I have to stop being baited by non-financial stuff here. :D I made my posts for the benefit of other readers and no...
by AlwaysBeClimbing
Fri Aug 11, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5420

Re: Buying a Vehicle the Old Fashioned Way

... Reminds me of when I drove to Oregon. I stopped at a gas station, hopped out to fill up my tank, and this guys runs over: "Sir please get back in your car, I'll pump it for you." I thought it was a scam. "No thanks buddy." "But sir, it's the law, I have to pump your gas for you." I asked him wh...
by AlwaysBeClimbing
Thu Aug 10, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5420

Re: Buying a Vehicle the Old Fashioned Way

... Reminds me of when I drove to Oregon. I stopped at a gas station, hopped out to fill up my tank, and this guys runs over: "Sir please get back in your car, I'll pump it for you." I thought it was a scam. "No thanks buddy." "But sir, it's the law, I have to pump your gas for you." I asked him wh...
by AlwaysBeClimbing
Thu Aug 10, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5518

Re: Oregon road trip help

No. Don't. Word is that the roads will be jammed and there is little chance of finding a place to sleep. Even in Portland we are hearing warnings about traffic jams. They need to clean their telescopes. :shock: No freeways in or near Madras. And traffic will be a complete nightmare in that area bec...
by AlwaysBeClimbing
Thu Aug 10, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5518

Re: Oregon road trip help

No. Don't. Word is that the roads will be jammed and there is little chance of finding a place to sleep. Even in Portland we are hearing warnings about traffic jams. They need to clean their telescopes. :shock: No freeways in or near Madras. And traffic will be a complete nightmare in that area bec...
by AlwaysBeClimbing
Sun Aug 06, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 7806

Re: Drinking water price craziness

I use a PUR filter + pitcher and reusable water bottles. It's cheap, produces very clean water and improves the taste. Our tap water is already of fairly high quality, so it's mainly for taste and so I replace the filters every four months instead of the recommended two. I buy a three pack at Wallyw...
by AlwaysBeClimbing
Wed Jul 26, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: DIY Dishwasher Repairs
Replies: 9
Views: 926

Re: DIY Dishwasher Repairs

Timely topic for me. Have a Kenmore ( about 6 years old ) that started have random lights flashing on the panel and ignoring input(tried the obvious, resetting the breaker, no joy there). After a couple of days of doing dishes by hand, considered just replacing it, or hunting up a replacement contro...
by AlwaysBeClimbing
Mon Jul 17, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 79
Views: 6356

Re: california homeowners - do you have earthquake insurance?

TxInjun wrote: - No mortgage left, so less worried about wiping out capital


TxInjun

This statement confuses me, if you don't have a mortgage anymore shouldn't you should be more worried about "wiping out capital", not less?
by AlwaysBeClimbing
Tue Jul 04, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14594

Re: Bogleheads: you should be buying 10-year old cars

Somewhere over on the subreddit r/personalfinance, there is a "best of" sticky for people whom are drowning in unwise car purchases --- buying way more car than they can afford. Turn on Dave Ramsey, and he'll go off on a tirade/rant about people and cars. Bogleheads.... that's not us.... Nobody her...
by AlwaysBeClimbing
Tue Jul 04, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14594

Re: Bogleheads: you should be buying 10-year old cars

I agree with this. There is a bathtub curve with a car. In the first few years (1-5) you get hit with depreciation and fixing any manufacturing/design/recall issues. Then repairs start to get equally costly in the later years (15-20). The sweet spot is 5-15. (I think many posters are thinking of th...
by AlwaysBeClimbing
Tue Jul 04, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14594

Re: Bogleheads: you should be buying 10-year old cars

For all those folks saying they need the latest safety features, how do they rationalize the fact that they've been driving "unsafe" vehicles all that time previously? Wouldn't the rational thing have been not to drive at all? In fact, they risked more years ( being younger) driving those "deathtra...
by AlwaysBeClimbing
Tue Jul 04, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14594

Re: Bogleheads: you should be buying 10-year old cars

For all those folks saying they need the latest safety features, how do they rationalize the fact that they've been driving "unsafe" vehicles all that time previously? Wouldn't the rational thing have been not to drive at all? In fact, they risked more years ( being younger) driving those "deathtra...
by AlwaysBeClimbing
Tue Jul 04, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14594

Re: Bogleheads: you should be buying 10-year old cars

For all those folks saying they need the latest safety features, how do they rationalize the fact that they've been driving "unsafe" vehicles all that time previously? Wouldn't the rational thing have been not to drive at all? In fact, they risked more years ( being younger) driving those "deathtrap...
by AlwaysBeClimbing
Mon Jul 03, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 28
Views: 3129

Re: Lease New Car?

It's true that most electrical power still comes from coal in the US, but most EVs that drive on coal-generated electrons still at least break even in terms of carbon footprint due to their markedly increased efficiency compared to ICE vehicles. And the electric grid is rather dramatically moving a...
by AlwaysBeClimbing
Mon Jul 03, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 28
Views: 3129

Re: Lease New Car?

~ For many people who drive an electric car though, the primary motivator is not economic but rather moral. Some people perceive climate change as the biggest risk to our species and think (rightfully or not) that sustainable transportation is a major solution to this problem. In just the same way ...
by AlwaysBeClimbing
Thu Jun 22, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 5295

Re: What do you say when you cancel an account that you only opened for bonus?

My experience is mixed. I opened a Chase checking acct for the promo, but have kept it since being a veteran, they charge no fee, provide a free SD box and other perks. So it's a good deal and I would feel a bit like a heel for closing it to get another bonus. On the other hand, I've received severa...