Search found 152 matches

by Rick_29T9W
Sun Apr 20, 2014 2:09 am
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 21169

Re: POLL: why carry cash?

Although I mostly pay by charge or debit card, I find that cash is sometimes faster. When purchasing several small inexpensive items, I always have slightly more than the needed amount of cash ready before getting to the front of the line. Having slightly more than the needed amount keeps me from ha...
by Rick_29T9W
Mon Jan 07, 2013 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who have kept your cars for a long time...
Replies: 95
Views: 7223

Re: For those of you who have kept your cars for a long time

I have a 1992 GMC Sierra pickup truck with 161,000 miles. It still runs reliably and looks good. The body is still in perfect condition and has never been in an accident. Vehicles do not rust here in Arizona. I had it repainted several years ago, and was fortunate to find a body shop in another near...
by Rick_29T9W
Tue Jan 01, 2013 12:31 pm
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 109
Views: 24224

Re: How good is vanguard website security?

For some time now, my password at Vanguard has included a random mixture of symbols, numbers, and upper and lower case letters. I am glad that Vanguard now allows including symbols in the password. If I am not mistaken, the maximum length is 10 characters. A while back, I also changed my user name i...
by Rick_29T9W
Sat Dec 08, 2012 12:00 am
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 83
Views: 6115

Re: Anybody here go all-Linux for personal computing?

I use Kubuntu 12.04 Linux on my desktop computer at home. I have been using Linux at home for about 10 years now. I also have a slightly older Windows XP computer, which I occasionally use, but the Linux computer is my main computer. The Linux computer is not set up to dual boot, and has never had W...
by Rick_29T9W
Wed Nov 28, 2012 1:43 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 37010

Re: What kind of car are you driving?

I drive a 1992 GMC Sierra pickup truck with 161,000 miles. It still runs reliably and looks almost like new. The body is in perfect shape and has never been in an accident. I had it repainted about 5 years ago and the paint still looks like new. After 20 years of driving in Arizona, it does not yet ...
by Rick_29T9W
Wed Jan 25, 2012 10:44 am
Forum: Personal Consumer Issues
Topic: Kettlebell Workout
Replies: 19
Views: 1677

Re: Kettlebell Workout

I have never used kettlebells, but for the last 7 years I have been walking an hour per day while using heavyhands. I raise and lower the heavyhands from my hips to forehead level as I walk. At times I switch to doing a 4-step double ski poling motion to also exercise my back. I walk along the trail...
by Rick_29T9W
Fri Jan 20, 2012 12:05 pm
Forum: Personal Consumer Issues
Topic: Sedona, AZ in January
Replies: 11
Views: 993

Re: Sedona, AZ in January

Parts of Oak Creek Canyon are at about the same elevation as where I live in Arizona. I live at 5,200 feet, Sedona is slightly lower at about 4,500 feet. Where I live, the average high in January is 51 degrees and the low is 23 degrees. It is usually quite comfortable outside during the daytime when...
by Rick_29T9W
Thu Jan 19, 2012 11:01 pm
Forum: Personal Consumer Issues
Topic: Does the cruise ship sinking make you reconsider cruising?
Replies: 58
Views: 4675

Re: Does the cruise ship sinking make you reconsider cruisin

I have never had any desire to take a cruise. From what I have heard, overeating is one of the main activities on a cruise ship. I am always trying to watch my weight, so overeating every day does not appeal to me. Besides that, taking a cruise sounds boring. In the unlikely event that the ship were...
by Rick_29T9W
Mon Jan 16, 2012 4:48 pm
Forum: Personal Consumer Issues
Topic: What is the best/your favorite keyboard for a desktop PC?
Replies: 30
Views: 2026

Re: What is the best/your favorite keyboard for a desktop PC

I like the feel of the keys in the Logitech illuminated keyboard. It is a little on the expensive side at about $60 - $80, but it is one of the few that felt right, when I tried using various keyboards in the local electronics and office supply stores. I prefer a keyboard that requires only a light ...
by Rick_29T9W
Mon Jan 09, 2012 11:01 pm
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 3095

Re: Bike riders with no lights at night

I used to drive to the grocery store about twice a week, around midnight, and would frequently see an occasional bicyclist or two without a headlight. Almost none of them ever had a headlight or taillight. They do not wear reflective or bright colored. They do not dress like serious bicycle enthusia...
by Rick_29T9W
Mon Jan 09, 2012 7:52 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4764

Re: Glad it wasnt an accident but what were my options

Deleting accidental duplicate post.
by Rick_29T9W
Mon Jan 09, 2012 7:50 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4764

Re: Glad it wasnt an accident but what were my options

Personally, I would not have honked at him for what probably was jaywalking. Of course the pedestrian was wrong to have over reacted. The pedestrian was confronted by a man with a deadly weapon. How do you expect him to react? That is the first I have heard any mention of a deadly weapon. I did not...
by Rick_29T9W
Mon Jan 09, 2012 3:32 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4764

Re: Glad it wasnt an accident but what were my options

It sounds like gabbar is describing a long turning lane that passes his street and leads on up to the major intersection beyond that entrance? If the turning lane is not for entering the entrance to his condo complex, that sounds like it is not an intersection. It does not sound like he is describin...
by Rick_29T9W
Fri Jan 06, 2012 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Frustration with TD login
Replies: 15
Views: 1385

Re: Frustration with TD login

I see a lot of posts about frustration with TD log-in. I have never had a problem. I only have used Chrome to log-in. To the OP, it was not the fault of TD that you typed in the wrong password. I beg to differ - it IS slightly the fault of TD. Other sites offer security questions that are unambiguo...
by Rick_29T9W
Tue Jan 03, 2012 3:40 pm
Forum: Personal Consumer Issues
Topic: Fat, Sick, and Nearly Dead
Replies: 68
Views: 8232

Re: Fat, Sick, and Nearly Dead

I gradually lost 70 pounds over about the last 7 years, without feeling hungry, by changing how I eat and getting more daily exercise. In the past, I would always steadily gain weight while eating portion sizes that were just large enough to satisfy my appetite. In my case, the types of food did mak...
by Rick_29T9W
Thu Dec 29, 2011 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Log in problem
Replies: 23
Views: 4768

Re: Treasury Direct Log in problem

I'll give you a hint on how to use security questions: Always give a non-sensical untrue answer. As in, "What is your mother's first name?" Humphrey. On big concern is how to remember where I have used real answers and where I have used nonsensical answers. My other big concern is possibl...
by Rick_29T9W
Thu Dec 29, 2011 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Log in problem
Replies: 23
Views: 4768

Re: Treasury Direct Log in problem

I have my doubts about how effective security questions really are. The answers to many customers security questions could be found in posts on this website and elsewhere. One security question from the possible pool of 6 possible questions is being discussed on the Bogleheads website right now. Tha...
by Rick_29T9W
Thu Dec 29, 2011 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Log in problem
Replies: 23
Views: 4768

Re: Treasury Direct Log in problem

Late Tuesday afternoon on Dec. 26th, I had problems logging in. When trying to log-in, a message popped up complaining that I was using a different computer than before. Well yes, my old computer had died and been replaced. To verify this is really my computer they sent a one time passcode to my ema...
by Rick_29T9W
Wed Dec 28, 2011 3:54 pm
Forum: Investing - Theory, News & General
Topic: I Bonds Downloadable Forms gone
Replies: 64
Views: 5711

Re: I Bonds Downloadable Forms gone

The unavailable Treasury Direct web page did soon become available again, so I finally was able to make my purchase request and received a confirmation number. Today I purchased those electronic I bonds directly from Treasury Direct and yesterday I purchased some paper I bonds from a bank. I have no...
by Rick_29T9W
Wed Dec 28, 2011 1:43 pm
Forum: Investing - Theory, News & General
Topic: I Bonds Downloadable Forms gone
Replies: 64
Views: 5711

Re: I Bonds Downloadable Forms gone

A Treasury Direct representative finally returned my call about an hour ago. He knew which three security questions to ask me and I was able to correctly answer all of them. He reset my account and sent me a one time passcode. He also answered another question of mine by saying that the Legacy Treas...
by Rick_29T9W
Wed Dec 28, 2011 11:23 am
Forum: Investing - Theory, News & General
Topic: I Bonds Downloadable Forms gone
Replies: 64
Views: 5711

Re: I Bonds Downloadable Forms gone

I filled out the forms and purchased some I-bonds yesterday at a bank. That was on Tuesday and they still had plenty of forms on hand, but they said that it was the last day that I could purchase them through their bank. Having reached the $5,000 limit for paper I bonds, I also wanted to purchase so...
by Rick_29T9W
Tue Dec 20, 2011 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 8606

Re: Owning a used jalopy: Same cost as leasing brand car.

19 years of driving my 1992 GMC Sierra pickup truck has not been very expensive, although perhaps a Honda or Toyota might have done slightly better. It has never been overhauled and has 158,000 miles on its V-6 engine. Last year, the original A/C system had to be repaired and upgraded to using the n...
by Rick_29T9W
Fri Dec 16, 2011 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: The True Cost of Commuting
Replies: 32
Views: 5163

Re: The True Cost of Commuting

I walk the 50 feet to and from work every day. I spend less than a minute per day walking to and from work. I use very little gasoline and it takes me over 20 years to get enough miles on a car or truck to wear one out. My 19 year old truck has 157,000 miles and still runs reliably and looks good. T...
by Rick_29T9W
Thu Dec 15, 2011 5:09 pm
Forum: Personal Consumer Issues
Topic: Camera buffs: 1st high-end camera for DW?
Replies: 45
Views: 4121

Re: Camera buffs: 1st high-end camera for DW?

My knowledge about photography is somewhat limited, but I really like my Panasonic Lumix DMC-G2 which uses the micro four thirds lens system. The micro four thirds lenses are about half as large as the lenses on DSLR cameras. It takes great photos despite being slightly more compact than a DSLR. The...
by Rick_29T9W
Fri Oct 07, 2011 12:31 pm
Forum: Personal Consumer Issues
Topic: Do companies intentionally hire idiots for customer service?
Replies: 36
Views: 4754

One type of customer service is the occasional tech support calls that I have made over the years. In some instances, it sometimes seems like the tech support person does not know much more than I do. Here is one example from several years ago. After an unexpectedly close lightning strike, my combin...
by Rick_29T9W
Sat Sep 10, 2011 2:28 am
Forum: Personal Consumer Issues
Topic: Do you take a fish oil/omega 3 supplement?
Replies: 191
Views: 20201

dm200 wrote: Maybe you could enlighten me about what you understand to be when, during evolution, humans (and our ancestors) had high fat diets? Our ancestors were not eating marbled, corn fed beef (hadn't been invented), but chasing down lean, low fat game, foraging fruits and berries (and who know...
by Rick_29T9W
Tue Sep 06, 2011 12:58 am
Forum: Personal Consumer Issues
Topic: What size is your best/primary TV?
Replies: 72
Views: 8431

I have an old 13-inch CRT TV set which is about 17 years old. Like Janet, I am not someone who is trying to be frugal. I just do not watch very much television and have never felt the desire to upgrade. It was a used TV which I got for free from from a relative, who no longer needed it, back in the ...
by Rick_29T9W
Fri Aug 26, 2011 1:47 am
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 38511

I walk an hour per day, while raising and lowering my heavyhands from below waist level to forehead level. For about a third of my daily walk, I switch to doing a double ski poling motion with the heavyhands, which also gives my back and rear end some aerobic exercise. That has been my daily exercis...
by Rick_29T9W
Wed Aug 03, 2011 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: $20 cell phone ticket raises insurance $836
Replies: 39
Views: 6694

The low rates that trico pays are only slightly less than what I pay. I pay $364.55 per year for the insurance on my pickup truck. My coverage includes: $250,000/$500,000 bodily injury $100,000 property damage $15,000/$30,000 uninsured motor vehicle bodily injury Comprehensive insurance The deductib...
by Rick_29T9W
Sun Jun 19, 2011 3:15 am
Forum: Personal Consumer Issues
Topic: Any guys here shop for jeans recently?
Replies: 40
Views: 7985

The Duluth Trading Company has several different versions of their ballroom jeans, which has a hidden crotch gusset for freedom of movement. Most of their pants also have extra room in the seat and thigh. Their website mentions being able to “crouch without the ouch." Their pants are designed f...
by Rick_29T9W
Wed Jun 15, 2011 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: At what age does it go downhill
Replies: 140
Views: 18597

Just like nisiprius, I also had to put up with that annoying high pitched noise that TVs made. No one else seemed to be able to hear it. Then at about the age of 40, in the early 1990s, I stopped hearing it. When using a similar gadget in a Junior College Physics class that I was taking, I was able ...
by Rick_29T9W
Mon Jun 13, 2011 1:25 am
Forum: Personal Finance (Not Investing)
Topic: At what age does it go downhill
Replies: 140
Views: 18597

I am 56 years old and when I occasionally have to dig with a pick and shovel, I can still work as hard as ever. I have to do that several times per year. For exercise, I walk an hour every day, while raising and lowering my heavyhands from hips to forehead level with each step. At times, I switch to...
by Rick_29T9W
Tue Jun 07, 2011 10:46 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 65
Views: 5374

I get enough sun exposure through my T-shirt, to have a very noticeable tan on my entire upper body. I walk an hour per day outdoors for exercise, while raising and lowering my heavyhands with each step. I had also recently been working outside several hours per day, up until a couple of weeks ago. ...
by Rick_29T9W
Tue Jun 07, 2011 3:17 pm
Forum: Personal Consumer Issues
Topic: How do you organize your pockets?
Replies: 101
Views: 11178

Left front pocket: kleenex and pocket knife Low, left, outer edge, cellphone pocket: cellphone Right front pocket: keys and coins Left Rear pocket: wallet Right rear pocket: comb Left shirt pocket: reading glasses Not all of my pants and shorts have that special cellphone pocket part way down the le...
by Rick_29T9W
Sat Jun 04, 2011 3:29 pm
Forum: Personal Consumer Issues
Topic: Going Barefoot In Your Home
Replies: 76
Views: 9281

I wear socks at home. I do not have typical shaped feet, so shoes are always a little tight along the side and front corner of my big toe. It is always more comfortable to take them off at home. I have never found any dress shoes or hiking boots that fit in a minimally acceptable way. Fortunately, r...
by Rick_29T9W
Sat Jun 04, 2011 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13312

I am not a high income earner. For me the high cost of medical insurance has significantly reduced my ability to save. I now pay $1,113 per month for medical insurance. That is $13,365 per year just for medical insurance. My medical insurance costs went up drastically starting back when I became 55 ...
by Rick_29T9W
Sat May 28, 2011 11:56 am
Forum: Personal Consumer Issues
Topic: Poll: Flashing yellow light while driving, What to do?
Replies: 58
Views: 7585

I do not recall ever having seen a flashing yellow light. I have also never seen one of those pedestrian crossing with flashing yellow lights, that tortoise described. The local traffic lights sometimes flash red, after a summer thunder storm has caused a power failure, but that is a flashing red l...
by Rick_29T9W
Wed May 25, 2011 11:34 pm
Forum: Personal Consumer Issues
Topic: Hats
Replies: 38
Views: 3827

Despite still having all my hair and never having had skin cancer, I always wear a broad brimmed hat for sun protection. Sometimes, I also wear UV blocking sunglasses. We get lots of sunny days here in Arizona. The broad brimmed hat that I wear during the summer has mesh for good ventilation, which ...
by Rick_29T9W
Tue May 24, 2011 12:17 am
Forum: Personal Consumer Issues
Topic: About drinking water
Replies: 54
Views: 4705

The taste of most bottled water is not any better than what comes out of my faucet. Most bottled water has a much stronger taste than what I prefer (or am used to), even when refrigerated. Our water comes from a small water company's three wells. It used to taste better before they started chlorinat...
by Rick_29T9W
Sat May 21, 2011 11:33 am
Forum: Personal Consumer Issues
Topic: What do you eat for breakfast?
Replies: 116
Views: 12483

I usually have some BGLife Heart Balance barley hot cereal, with some frozen blueberries added after I have finished cooking it. It is made from a strain of barley which was naturally selected to have high levels of beta-glucan soluble fiber. The beta-glucan soluble fiber slows down the absorption o...
by Rick_29T9W
Mon May 09, 2011 10:29 am
Forum: Personal Consumer Issues
Topic: gas prices what are you doing to fight it
Replies: 208
Views: 21253

I live upstairs above where I work and only about 3 miles from the nearest grocery store. But, I still somehow manage to use slightly over one tank of gasoline per month. However, I could get by with less than 1/2 as much driving around town, if I had to. My full-sized pickup truck uses about 20 to ...
by Rick_29T9W
Mon May 09, 2011 3:29 am
Forum: Personal Consumer Issues
Topic: Some red meat healthier than pork or chicken?
Replies: 107
Views: 10639

The local health food store frequently has grass fed buffalo meat for sale. One article claimed that a 3.5 ounce serving of bison meat has 0.59 grams of saturated fat, compared to 1.3 grams of saturated fat for chicken without the skin. The same brief article also claimed that lean roast beef has 7....
by Rick_29T9W
Sat May 07, 2011 2:46 am
Forum: Personal Consumer Issues
Topic: Right Hand Turns At Red Lights
Replies: 58
Views: 5274

About 12 years ago in Phoenix Arizona, I was roller blading and was waiting for the crosswalk sign to say “walk.” The car approaching the crosswalk appeared to be slowing for a stop, so when the crosswalk sign said “walk,” I rolled out into the crosswalk. I then ended up on the woman's hood as she r...
by Rick_29T9W
Thu May 05, 2011 12:22 am
Forum: Personal Finance (Not Investing)
Topic: [POLL] what are your monthly non-mortgage expenses?
Replies: 42
Views: 6337

During this last year or so, my monthly expenses have increased to about $2,600 per month, mostly due to the rising cost of my medical insurance. Several of the items below were roughly estimated. There are a couple of items in the list that I could cut back on, if my medical insurance costs continu...
by Rick_29T9W
Sat Feb 26, 2011 2:01 pm
Forum: Personal Consumer Issues
Topic: Jury Duty
Replies: 26
Views: 3882

I had to serve as a juror on a one day trial last year. They asked me how far I had to drive to get to the courthouse, and I told them it was about 7 miles each way. So, after the trial, I received a check for about $17 for my travel expenses. I had also wondered if reimbursing my travel expenses sh...
by Rick_29T9W
Tue Feb 08, 2011 2:34 am
Forum: Personal Consumer Issues
Topic: When Do You Stop Fixing Dents?
Replies: 51
Views: 5807

I always park further out in the less crowded portions of parking lots. Because of that, during the last 19 years, my 1992 truck has had only two very small barely detectable dents. That is not counting the hail damage in 1992, that occurred about a month after buying the truck, which the insurance ...
by Rick_29T9W
Mon Feb 07, 2011 1:33 pm
Forum: Personal Consumer Issues
Topic: Does cost of insurance influence your vehicle purchase?
Replies: 29
Views: 4444

I pay only $34.12 per month for the comprehensive insurance on my old 1992 GMC Sierra pickup truck. I am not sure why it is only $34.12 per month, but it might be factors such as my age, my excellent driving record, low mileage per year, where I live, and the low value of my truck (due to it’s age)....
by Rick_29T9W
Fri Feb 04, 2011 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10062

I have had to invest about 2/3 of my retirement savings in taxable accounts. There is no 401k available where I work, so I have a Roth IRA instead which has a maximum allowable annual contribution of $6,000 in 2010, for someone over 50 years old. I usually have more than that to invest each year. So...
by Rick_29T9W
Thu Feb 03, 2011 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Old, Cheap Cars Considered Harmful
Replies: 89
Views: 8496

I have managed to drive for 40 years, without ABS, without ever having had an accident (except for once being bumped from behind in a parking lot). My 1992 GMC pick-up truck with 153,000 miles still runs reliably and does not have any scratches, dents or rust, so I do not want to replace it just to ...
by Rick_29T9W
Sun Jan 16, 2011 1:56 am
Forum: Personal Consumer Issues
Topic: Want small, simple TV
Replies: 48
Views: 4155

I am still happily using my old mid-1990s 13-inch CRT TV set. The amplified rabbit ears antenna allows me to receive seven analog channels (only 5 of which come in clearly). I do not feel any desire to upgrade to anything better, or to get satellite or cable. The mountain top translator that provide...