Search found 67 matches

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: 4281

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: 16352

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: 79
Views: 4890

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: 58
Views: 2759

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: 1055

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: 598

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: 4401

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: 3800

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: 3233

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: 64
Views: 4689

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: 79
Views: 4890

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: 6592

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: 2775

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: 5882

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: 2775

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: 2098

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: 2564

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. https://www.bankofamerica.com/deposits/manage/faq-wir...
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: 4247

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: 1807

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: 5382

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: 2846

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: 5304

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: 7037

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: 3570

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: 2519

Re: Where to get oil change?

Better tires to the rear, always. Good writeup on why here: http://www.tirereview.com/so-where-do-new-tires-go/ "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 po...
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: 1731

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...
by AlwaysBeClimbing
Thu May 18, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 1731

Re: Just opened CD ladders at Fidelity and Vanguard

I did the same yesterday. I found the one year CD ladder starting at 1% for three months going to 1.35% for twelve months to be compelling enough to stop procrastinating and rescue some of my cash from earning zero. Usually the rates, while staying in Fidelity, are not very competitive, but these r...
by AlwaysBeClimbing
Tue May 16, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4719

Re: Tipping for restaurants where you order at the counter

I don't, as a rule, tip for counter service/self serve. I will tip a couple bucks at the occasional "all you can stomach" places where there's a busperson clearing tables. For the rest I consider tipping as part of the cost of eating out, if there was no tipping I just assume the meal pric...
by AlwaysBeClimbing
Tue May 16, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Adblockers
Replies: 14
Views: 1315

Re: Adblockers

Opera browser has a built-in ad-blocker, works quite well.
by AlwaysBeClimbing
Tue May 16, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Retirees afraid to spend? (Bloomberg)
Replies: 47
Views: 2660

Re: Retirees are hoarding cash

From the article: "While younger generations get poorer, older Americans can’t seem to spend it all." ~ "After a lifetime of saving, it requires some psychological gymnastics to start spending your nest egg. Browning’s suggestion is that financial planners urge their thriftiest client...
by AlwaysBeClimbing
Tue May 16, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4830

Re: Doctor wants Social Security number

I still see the request for SS on most forms when filling out paperwork at a new Doctor. I always leave it blank (have twice experienced this in the last year). I'm guessing they'd like to have it if they can as it might help them collect payment if there is a problem. It shouldn't be required and ...
by AlwaysBeClimbing
Tue May 16, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4830

Re: Doctor wants Social Security number

I still see the request for SS on most forms when filling out paperwork at a new Doctor. I always leave it blank (have twice experienced this in the last year). I'm guessing they'd like to have it if they can as it might help them collect payment if there is a problem. It shouldn't be required and ...
by AlwaysBeClimbing
Mon May 15, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6734

Re: The recent WannaCry ransomware

The entire phenomenon that computers can be remotely commanded to encrypt their hard drive data files by a key which is stored in the commanding (attacker's) computer or server--is that strictly a Windows problem? Oh boy, what a can of worms with this question.... Given the recent Intel AMT firmwar...
by AlwaysBeClimbing
Sun May 14, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6734

Re: The recent WannaCry ransomware

The entire phenomenon that computers can be remotely commanded to encrypt their hard drive data files by a key which is stored in the commanding (attacker's) computer or server--is that strictly a Windows problem? Oh boy, what a can of worms with this question.... Given the recent Intel AMT firmwar...
by AlwaysBeClimbing
Sat May 13, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3280

Re: Price for brakes and rotors?

We're in a DIY world now, I don't think Id say its a DIY world. Yeah lots of HGTV wannabe remodellers now and the "maker movement" folks but I think overall DIY is far less common than it was 30, 40, 50 years ago where every other guy was a shadetree mechanic, people into HiFi where solde...
by AlwaysBeClimbing
Fri May 12, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3280

Re: Price for brakes and rotors?

I do my own brakes but agree with some of the others, don't do them yourself unless you know what you're doing. Just shop around for better prices. These threads always turn to someone suggesting 'doing it yourself'. I'd guess the OP isn't mechanically inclined as if they were, they wouldn't be at ...
by AlwaysBeClimbing
Mon May 08, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 4029

Re: Will and Estranged Child advice

If the will clearly was written when things were different then yes, woodspinner did what his wife wanted at the time she died. She just hadn't updated the paperwork to reflect her wishes. It may have been illegal but that doesn't mean it was morally wrong to an overwhelming majority of people in t...
by AlwaysBeClimbing
Wed May 03, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Least expensive new or refurb portable Windows computer
Replies: 21
Views: 1243

Re: Least expensive new or refurb portable Windows computer

If it's one off , or occasional need, just borrow the use of one from a friend. My public library just started offering laptops for checkout, yours might do the same.
by AlwaysBeClimbing
Tue May 02, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

This thread can be locked. If you ever say "I am never leaving version XYZ of ABC, rewind". Windows ME, Windows Vista, Windows 7. They did what they did. They are old technology. Windows 10 work perfectly fine for the vast majority of humans. You don't have to use the Windows Store, go to...
by AlwaysBeClimbing
Mon May 01, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

I'm running 10 with "only" 4gb and it works fine and I'm not a light user. Memory management has come a long way since XP, simply no comparison. For most people the biggest memory hog is the browser. Open a few too many tabs or have a few add-ons and your into gigabytes consumed rapidly. ...
by AlwaysBeClimbing
Mon May 01, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

For most people the biggest memory hog is the browser. Open a few too many tabs or have a few add-ons and your into gigabytes consumed rapidly. I switched from Firefox to Opera just for this reason alone( I realize there are people out there who consider FF a memory friendly browser, not in my expe...
by AlwaysBeClimbing
Sun Apr 30, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

Ned, I have found that operating system updates and antivirus definition updates, when running, can pretty much make a computer operate the way you are describing. Years ago, I turned off automatic AV scans, and as a user said up-thread, set system updates to notify; not install. Heck, I don't even...
by AlwaysBeClimbing
Sun Apr 30, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

By the way, I bought a new keyboard and mouse and that solved the problem. I think we've moved beyond caring about your problem :happy Glad you got it sorted out! This does seem to have hit a nerve as people have shared their Windows 10 program. The thing is, Apple makes both the hardware and the o...
by AlwaysBeClimbing
Sun Apr 30, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

squirm wrote:Anecdotes flying here, as I read. I don't have any of these issues and run plenty of win 10 machines.
Go to task manager and see what's going on.


Anecdotes are contagious, no? :wink:
by AlwaysBeClimbing
Sat Apr 29, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12102

Re: Microsoft, I want my computer back!

Toons wrote:Do I hear Chromebook? :happy


Chromebook with a Chrome and Linux (GalliumOS) dualboot configuration. :D
by AlwaysBeClimbing
Mon Apr 24, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12175

Re: Will cars be autonomous in three years?

Great interview here with airline captain "Sully" Sullenberger on safety and self-driving cars. This particular passage jumps out at me: "When we assign technology as the doer and the human component as the monitor, we’re doing it backwards. Humans are inherently poor monitors." ...
by AlwaysBeClimbing
Mon Apr 24, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12175

Re: Will cars be autonomous in three years?

Another vote that there is absolutely ZERO chance the majority of cars will be autonomous in 3, 10 or even 20 years. I work in high tech and I hear a lot of prognosticating about this but I dont buy it. For some reason Bogleheads seems to have a high concentration of anti-car people who see them as...
by AlwaysBeClimbing
Mon Apr 24, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12175

Re: Will cars be autonomous in three years?

Another vote that there is absolutely ZERO chance the majority of cars will be autonomous in 3, 10 or even 20 years. I work in high tech and I hear a lot of prognosticating about this but I dont buy it. For some reason Bogleheads seems to have a high concentration of anti-car people who see them as...
by AlwaysBeClimbing
Thu Apr 20, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3921

Re: Home Insurance Premium - How to decrease.

2) Increasing the deductible from 5 K to 10 K would save me another $100. ( I am planning on opting for this) It would take you 50 years to recoup if you have a claim where you absorb the entire deductible difference. Good point. Will take that in consideration before making the final decision. Tha...

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