Search found 143 matches

by AlwaysBeClimbing
Thu Feb 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6762

Re: Work-out schedule for those in 60s

MWF - resistance training using body weight and iron (high reps with modest weight)
TThSa- abs and dance
Week days - 45 min walk+sprints OR cycle 15 miles on river path at a very brisk pace ( bad weather use wind trainer )
Weekends - speed hike the local mountains

No exceptions, save illness(rare)
by AlwaysBeClimbing
Thu Feb 15, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 4439

Re: Going Paperless Issues

Paperless for over 10 years, never an issue of any consequence. I have a dedicated email account strictly for anything of a financial nature, which I watch very closely. Occasionally an email will show up in the spam bucket for no discernible reason, but it's easy to spot. Putting your regular bills...
by AlwaysBeClimbing
Wed Feb 07, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Why should we care about inflation?
Replies: 58
Views: 5339

Re: Why should we care about inflation?

I care about how inflation is measured( the government going to a chained-CPI, for example).
by AlwaysBeClimbing
Wed Feb 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 2969

Re: Are Banks Worthless?

The only purpose they serve for me is providing a safe deposit box. Sure there's the occasional service like medallion signature guarantee letter, otherwise zip...
by AlwaysBeClimbing
Wed Feb 07, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7670

Re: Amazon Alternative

My main go-to's: Walmart - ship to store REI - ship to store Ebay - ship to PO box Best Buy - ship to store I have a PO box which I use in lieu of home delivery. I use Amazon from time to time if price difference warrants it. What pisses me off is when Amazon(and occasionally some other retailers) d...
by AlwaysBeClimbing
Thu Feb 01, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.
Replies: 15
Views: 1159

Re: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.

Hello, I need to replace 6 crowns in my mouth, those crowns were put in about couple years ago and at that time I had dental insurance with Company A and they covered the claim. Last year I switched jobs and now have a new insurance. My new dentist suggested that all 6 crowns need to be replaced (a...
by AlwaysBeClimbing
Thu Feb 01, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9099

Re: WHY do wireless routers need periodic reboots?

I've been running DD-WRT on cheap Linksys WRT series routers(pretty easy to find them for five or ten bucks at thrift stores). They are simply rock solid and go for months with zero reboots required. There are a couple of models in that line to avoid, but that is generally only if you need more adv...
by AlwaysBeClimbing
Thu Feb 01, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.
Replies: 15
Views: 1159

Re: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.

Hello, I need to replace 6 crowns in my mouth, those crowns were put in about couple years ago and at that time I had dental insurance with Company A and they covered the claim. Last year I switched jobs and now have a new insurance. My new dentist suggested that all 6 crowns need to be replaced (a...
by AlwaysBeClimbing
Tue Jan 30, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9099

Re: WHY do wireless routers need periodic reboots?

I've been running DD-WRT on cheap Linksys WRT series routers(pretty easy to find them for five or ten bucks at thrift stores). They are simply rock solid and go for months with zero reboots required. There are a couple of models in that line to avoid, but that is generally only if you need more adv...
by AlwaysBeClimbing
Tue Jan 30, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9099

Re: WHY do wireless routers need periodic reboots?

I've been running DD-WRT on cheap Linksys WRT series routers(pretty easy to find them for five or ten bucks at thrift stores). They are simply rock solid and go for months with zero reboots required. There are a couple of models in that line to avoid, but that is generally only if you need more adva...
by AlwaysBeClimbing
Wed Jan 24, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 17055

Re: Dear wife quits job and now we are down to 1 income

Too little info to make any recommendation, other than maybe to take a couple of weeks to let things settle and then see where wife's head is at. The ball is really in her court(more than yours). Good luck.
by AlwaysBeClimbing
Tue Jan 23, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

who said that? dealer has given him reasonable price and I am telling him NOT to price shop. That approach eventually ends in disaster. From the OP's last comment: "So I'm just going to go with the dealer after all." Guess you were NOT reading. LOL Anyway, price shopping does NOT always end in disa...
by AlwaysBeClimbing
Tue Jan 23, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

Thanks for all the replies! Only thing you guys didn't mention was telling me how easy it is to do an oil change and do it myself :wink: I called a local place today I wanted to get a quote from, and they didn't want to give me one until they looked at my car and they are booked until February 16. ...
by AlwaysBeClimbing
Mon Jan 22, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

As someone else pointed out we are getting off on a tangent, so this will be my last post on the subject. Those relatively simple homeowner tasks you mentioned pale in comparison to what is involved with replacing brake pads(and perhaps rotors) on a car. Not even close, in terms of effort required,...
by AlwaysBeClimbing
Mon Jan 22, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

As someone else pointed out we are getting off on a tangent, so this will be my last post on the subject. Those relatively simple homeowner tasks you mentioned pale in comparison to what is involved with replacing brake pads(and perhaps rotors) on a car. Not even close, in terms of effort required,...
by AlwaysBeClimbing
Mon Jan 22, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 5701

Re: Do we need an emergency supplies kit (go bag)?

- Scenario where we are stuck in a car for say 10-20 hours getting out of state doesn't seem impossible and we'll prep a bag for it. I pack a bag in the car for three+ days supply of water/emergency rations(+other basic items) for two. In the event of say a quake, and if away from home(even a day t...
by AlwaysBeClimbing
Mon Jan 22, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

From the OP's second post: "I am not a handy person at all, so I will not do it myself" Seems to me you ( and some others here) are injecting your opinion, without any regard to what the OP's stated position is. Not helpful. Some people are not mechanically inclined and have no wish to be. Just bec...
by AlwaysBeClimbing
Sun Jan 21, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

Brake pads are not incredibly or even very easy to replace unless you have lots of experience and exactly the correct tools. "Familiar with wrenching" means "very experienced." The tools usually required are not ones anyone would own unless they have done a great deal of mechanical work, and some o...
by AlwaysBeClimbing
Sun Jan 21, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3176

Re: Rent (free at library) or buy books?

Public library. Mine is very good on purchasing requests. If I really find a book I want a personal copy of I can usually find a gently used copy somewhere. I can stomach reading digital articles of short to intermediate length, book length not so much.
by AlwaysBeClimbing
Sun Jan 21, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4897

Re: New Brake Pads

Brake pads are not incredibly or even very easy to replace unless you have lots of experience and exactly the correct tools. "Familiar with wrenching" means "very experienced." The tools usually required are not ones anyone would own unless they have done a great deal of mechanical work, and some o...
by AlwaysBeClimbing
Tue Jan 09, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9083

Re: Goodbye Capital One 360!!

Someone alerted me to this article about why Capital One has hounded some customers about updating their income ... and if it wasn't provided, you couldn't log into your online account: https://consumerist.com/2017/10/19/why-does-capital-one-need-my-income-to-sign-into-website/ (A black box with wh...
by AlwaysBeClimbing
Fri Jan 05, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 7185

Re: Chip architecture vulnerability in pretty much everthing

The pessimist in me says all of these long-lasting vulnerabilities being reported recently are just symptoms of a more pervasive, underlying problem in technology: security was not considered at the beginning and was instead shoe-horned onto existing solutions in retrospect. That is a general recip...
by AlwaysBeClimbing
Fri Jan 05, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 7185

Re: Chip architecture vulnerability in pretty much everthing

My own effort at security/mitigation( which I’ve been doing for some time prior to this latest event) is as follows: -use a dedicated system (I use an old laptop) running Linux for all sessions with my important banking/investment institutions -on that system only have a single session running in th...
by AlwaysBeClimbing
Tue Jan 02, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10425

Re: What non fiction book will you be reading in 2018?

It would be interesting to read about what led Xerox to come up with such radically new concepts such as using a mouse (assuming that it was Xerox not Jobs that invented the mouse). That would be have to be Douglas Englebart's Augmentation Research Group( part of SRI) which put on the "Mother of al...
by AlwaysBeClimbing
Sun Dec 31, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10425

Re: What non fiction book will you be reading in 2018?

A New Green History of the World - Ponting
Surviving the 21st Century - Cribb
The Blue Zones of Happiness - Buettner
by AlwaysBeClimbing
Tue Dec 05, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: $450 Rebate on $1079 hot water heater with heatpump
Replies: 6
Views: 1100

Re: $450 Rebate on $1079 hot water heater with heatpump

OP, Thanks for the heads-up, just ordered an A.O. Smith unit from Lowes. My state offers a $600 tax credit while my utility pitches in with a $400 rebate, and after a 10% veterans discount my out of pocket costs( self install) are virtually zero. Doubtful this unit will last as long as the 30 year o...
by AlwaysBeClimbing
Wed Nov 22, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 11611

Re: What are the things you want to do between 55 and 65?

Maintaining health and avoiding serious injury are tops on my list. Everything flows from that; poor health = no fun. I’m inspired by those who've made it to their 90’s with fuel left in the tank (Jack LaLanne comes readily to mind). Having recently crossed the threshold of 'six oh', I feel as good ...
by AlwaysBeClimbing
Tue Oct 31, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1391

Re: House - leaking chimney - thoughts?

Just to add to the mix, it's possible( if unlikely ) that a leaky shingle(s) could be masquerading as a chimney leak. I hate chimneys.
by AlwaysBeClimbing
Thu Sep 28, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19928

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: 17350

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: 1820

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: 10247

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: 2509

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: 2509

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: 1689

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: 1717

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: 1207

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: 4906

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: 4906

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: 4906

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: 9193

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: 4906

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: 9193

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: 25
Views: 2827

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: 4906

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: 59916

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: 13171

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: 4171

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: 3529

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.