Search found 90 matches

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: 12013

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: 4718

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: 4533

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: 4533

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: 242
Views: 11416

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: 1974

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: 5169

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: 54
Views: 2838

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: 54
Views: 2838

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: 5169

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: 5169

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: 54
Views: 2838

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: 54
Views: 2838

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: 80
Views: 7203

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: 844

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: 41
Views: 2862

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: 13367

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.... ...
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: 13367

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: 13367

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...
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: 13367

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...
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: 13367

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 ...
by AlwaysBeClimbing
Mon Jul 03, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 28
Views: 2899

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: 2899

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: 4900

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...
by AlwaysBeClimbing
Sat Jun 17, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 18373

Re: Siblings in disagreement over mom's house.

I'd see if I could obtain a 'Vacant Home Insurance Policy' while getting this sorted out, which may take a while.
by AlwaysBeClimbing
Fri Jun 16, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6407

Re: Do You Take Your Credit Card Receipts?

spammagnet wrote:
AlwaysBeClimbing wrote:... provide a quick record of where you were on a specific day&time, ...

No receipt needed. Just ask Google. :shock:



:?:
by AlwaysBeClimbing
Thu Jun 15, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 3952

Re: Password Managers

KeepassX. Crossplatform, opensource and secure(hopefully).
by AlwaysBeClimbing
Thu Jun 15, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Do you like receiving email confirmations of online transactions?
Replies: 21
Views: 1227

Re: Do you like receiving email confirmations of online transactions?

Absolutely love them. Save the trees and reduce risk of loss/misdelivery in snail mail. With encrypted email chance of 3rd party viewing them is remote. Chance of 3rd party doing anything seriously malicious even if they do read them is even more remote.
by AlwaysBeClimbing
Thu Jun 15, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Call Forwarding from Landline to Cell
Replies: 7
Views: 679

Re: Call Forwarding from Landline to Cell

I'd like to be able to just send an alert to my cell that I missed a call on my "landline" (I use MagicJack). Anyone have any idea how to do that?
by AlwaysBeClimbing
Thu Jun 15, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4992

Re: Dehumidifier woes

I'll be shopping for one soon, really no choice but to get one or be fighting mold all the time. Winters here get indoor humidity up past 70%, since I tightened up my house(air sealing). Sure I could just leave the windows open, but then all the expensive heated air goes out the window. Damned if yo...
by AlwaysBeClimbing
Thu Jun 15, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 4229

Re: Long Term Care Insurance?

I decided some time ago that LTCI wasn't a good fit or value for me. Maintaining my health to be as good as I possibly can is my insurance against needed long term care. If/when my health deteriorates to the point where I need the sort of extended care LTCI covers, I'd rather just drink the hemlock ...
by AlwaysBeClimbing
Thu Jun 15, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3605

Re: scary phone calls

I use MagicJack and it's exceedingly rare for me to get calls from anyone but legitimate callers. Just one guy's experience.
by AlwaysBeClimbing
Thu Jun 15, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5683

Re: Favorite Feature of Vanguard Website?

I like being able to create 'account value reports' anytime I like. Restricting access to specific devices is a nice "feel good" feature as well.
by AlwaysBeClimbing
Thu Jun 15, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6407

Re: Do You Take Your Credit Card Receipts?

I always take them and reconcile them with my EOM statements. I used to just toss them into a box, but started clipping them together in date order and it speeds up the process, a lot. Receipts can be useful in a number of ways beyond just statement reconciliation, they can make returns/exchanges ea...
by AlwaysBeClimbing
Thu Jun 08, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 7274

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Hi, Some lunch room conversations at work indicated that some people seem to have made a killing in at least one of these companies. That got me thinking that the reason I didnt own any of these was because I owned the total stock market funds and wouldn't want to risk individual stocks. But these ...
by AlwaysBeClimbing
Wed Jun 07, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 3016

Re: Home siding thoughts

It's funny that we consider "20 years" a long life now. I'm an old house nut and I've been in a number of antiques that still have original 200 year old wood siding. Back before we cared about the health effects ,real linseed oil lead paint jobs lasted 50 years as well. It's a shame that ...
by AlwaysBeClimbing
Wed Jun 07, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 6244

Re: Financially independent and then market crashes?

How about this: Set your annual expenses to equal 2.5% (or less) of your total investment portfolio balance, based on what the balance would be if the value of the equity portion of the portfolio is half of what it is now. I think that if you can do this (and thus keep your expenses relatively low ...
by AlwaysBeClimbing
Tue Jun 06, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 3016

Re: Home siding thoughts

I know a lot of people hate T1-11 siding, but I kinda like it. It's got a rustic look to it and as long as you keep it properly caulked and painted (or stained) it should last a long time( the plywood variety not the OSB stuff anyway ). The most important thing is to make sure you paint the edges we...
by AlwaysBeClimbing
Tue Jun 06, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 27
Views: 2419

Re: Anti virus protection

Windows Defender Malwarebytes Free Simple Software Restriction Policy ( PWR Consultancy ) - free Opera and Palemoon browsers Run as 'standard user' Flash disabled I haven't paid for security software products for at least the last 15 years, simply not convinced it provides superior value to free pro...
by AlwaysBeClimbing
Fri Jun 02, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Wire fee charged by receiving bank.
Replies: 28
Views: 2789

Re: Wire fee charged by receiving bank.

Personally, I'd be extremely thankful that my screwup didn't result in the loss of the full 10K and get on with life. I've always found that if there's a cost attached to a screwup, then the lesson is burned into the brain a bit more permanently. m Please note that in the event you provide an incorr...
by AlwaysBeClimbing
Fri Jun 02, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 4551

Re: Bogle: Even indexing can be too much of a good thing

"One development could mitigate much of the advantage that index funds enjoy and slow the rush to own them, but you’re probably not going to like it. When the market suffers a prolonged decline, active managers can gain an edge over indexers by moving large portions of assets into cash or into...
by AlwaysBeClimbing
Tue May 30, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?
Replies: 22
Views: 2008

Re: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?

Just because some doors are tight you're assuming a foundation issue and others are suggesting a quick pass? Seems to me to be jumping to conclusions prematurely. Maybe because I live in a 100 year old house and am in a historic neighborhood, but most of the homes have some floors that are slightly...
by AlwaysBeClimbing
Tue May 30, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5962

Re: Credit unions are non-profit, how come they do not dominate over banks???

I always had a hard time getting a safe deposit box at a credit union, usually long waiting lists, so off to a bank by default. And Chase offers free checking/safe deposit box for military/ex-military, so.....
by AlwaysBeClimbing
Tue May 30, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for emergency fund?
Replies: 21
Views: 3150

Re: Best Vanguard fund for emergency fund?

Unless you need to keep your money at VG for some reason, there are online savings accounts that pay at or near 1% (Barclays is 1.05% currently). That is where I keep most of my emergency stash.
by AlwaysBeClimbing
Tue May 30, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 35
Views: 5563

Re: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"

OP, I’m about your age, roughly similar circumstances and am right at 30/70 and very happy with that. Read Rick’s piece when he posted it and it really struck home and it fits well with my need and ability to take risk. My personal preference is for stable sources of income vs potentially higher but...
by AlwaysBeClimbing
Tue May 23, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 54
Views: 7527

Re: Is it worth it spending money to keep your house looking sharp?

I just work to keep things looking "tidy". Doesn't cost much, except time and it makes me feel a little better( clutter depresses me). I do let my yards run a little "wild"(lot's of native plants and trees), I prefer that to the highly manicured look. I did invest in a drip irrig...
by AlwaysBeClimbing
Tue May 23, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 4037

Re: Firefox painfully slow

Ditched Firefox for the same reason a couple months back(and it was a real memory hog). Tried Opera and very satisfied with performance. No need for 3rd party ad-blocker(it's built in). Recently also started blocking all cookies and just whitelisted sites that need them(surprisingly very few, I use ...
by AlwaysBeClimbing
Sat May 20, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2742

Re: Where to get oil change?

Better tires to the rear, always. Good writeup on why here: m "Since most tiremakers recommend not rotating tires front to rear if there is more than 2/32nds difference in tread depth, this may (especially on FWD vehicles) often eliminate the possibility of ever rotating tires until a complete ...
by AlwaysBeClimbing
Fri May 19, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2010

Re: Just opened CD ladders at Fidelity and Vanguard

Barclays is paying 1.05% on savings( had been at 1.00% for a long time), and Capital One 360 has been at .75% for years as well. No reason to accept zero on cash. The reason for the CD ladder is to have the cash available at a broker like Fidelity when I need it to invest. High interest (?? I can't...