Search found 349 matches

by SPG8
Thu Jul 28, 2011 5:43 pm
Forum: Personal Consumer Issues
Topic: Netflix Still A Bargain
Replies: 23
Views: 3074

Re: Netflix Still A Bargain

Lon wrote:I started out with them at the three DVD's at a time
We're still at three DVDs, no streaming. Our bill went down.
by SPG8
Fri Jul 22, 2011 6:10 pm
Forum: Personal Consumer Issues
Topic: TheStreet Article: How a vacation hurts your future
Replies: 111
Views: 12263

lmpmd wrote:Maybe I'm an extreme example
by SPG8
Thu Jul 21, 2011 10:23 pm
Forum: Forum Issues and Administration
Topic: increased snarkiness?
Replies: 53
Views: 8817

From a recent observer; 1. Financial posts - generally played pretty straight (little snark) 2. Off topic - discussions that people who want financial advice can easily avoid (some snark) 3. Cheap-Skate-Oramas - patently absurd notions about saving money jammed down innocent bystanders throats (plen...
by SPG8
Thu Jul 21, 2011 10:13 pm
Forum: Personal Consumer Issues
Topic: TheStreet Article: How a vacation hurts your future
Replies: 111
Views: 12263

Not only is it useless and expensive, but it is harmful to your health...We have started making our own bread and yogurt, salad dressing, sorbet and ice cream. So buy twice as much, have a couple over for dinner, charge them half as much as a quality restaurant would, and then you and they could ma...
by SPG8
Sun Jul 17, 2011 10:07 pm
Forum: Investing - Theory, News & General
Topic: Why will the stock market go up in the future?
Replies: 60
Views: 7824

For the last three decades, the US has enjoyed a consistent 1% annual growth rate of its population, while Japan's population has actually been declining (greatly reducing domestic demand). In terms of developed countries, Japan might be front-running this whole thing. Rather than relying on increa...
by SPG8
Sun Jul 17, 2011 11:36 am
Forum: Investing - Theory, News & General
Topic: Why will the stock market go up in the future?
Replies: 60
Views: 7824

Since I plan to retire around 2026, this should work out VERY well for me... I'm with you, although retiring later. May wrangle even more out of the bull. Probably some demographic plays here, but I'll stay the course. Haven't really thought it through, but if I trail the boomers, senior-related se...
by SPG8
Thu Jul 14, 2011 10:03 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 377374

The Brief Wondrous Life of Oscar Wao - Junot Diaz

Bonus - decent history of Dominican Republic
by SPG8
Thu Jul 07, 2011 3:51 pm
Forum: Forum Issues and Administration
Topic: Where is Trev H?
Replies: 16
Views: 4244

Thanks again H.
by SPG8
Tue Jul 05, 2011 6:49 am
Forum: Personal Consumer Issues
Topic: Exercise Heart Monitor?
Replies: 50
Views: 6002

I'm dealing with the same issues, so I would not mind hearing about what you (or anybody else) find out. Don't have good before/after weights yet, but have taken to consuming about a liter of water during the hour + ride, and have noticed considerably less heart rate drift (kept everything else pre...
by SPG8
Thu Jun 30, 2011 12:04 pm
Forum: Personal Consumer Issues
Topic: Exercise Heart Monitor?
Replies: 50
Views: 6002

Do you sweat a lot? Shirt is soaked (have a hand towel also), especially now in summer. Usually hydrate quite a bit during the day in anticipation, but typically didn't drink during the hour + session. Had a water bottle the last couple times because of the temperature. It's probably only a little ...
by SPG8
Thu Jun 30, 2011 10:49 am
Forum: Personal Consumer Issues
Topic: Exercise Heart Monitor?
Replies: 50
Views: 6002

tends to drift upwards within a given workout at consistent intensity That's what I've noticed. I'll do a gradual warm up to get into a zone starting at 65% by adjusting tension, keeping speed constant. It'll stay there for a while, but by around 20 minutes in it's typically 80%, and often over 90%...
by SPG8
Thu Jun 30, 2011 8:04 am
Forum: Personal Consumer Issues
Topic: Exercise Heart Monitor?
Replies: 50
Views: 6002

One cannot "blow past 100%" maximum heart rate because the new high value would be a better estimate of your true max heart rate. Of course. However, with two common methods, 220-age and a standard calculation starting with resting heart rate (which are a sigle bpm different), I can breeze up to 10...
by SPG8
Wed Jun 29, 2011 10:06 am
Forum: Personal Consumer Issues
Topic: Exercise Heart Monitor?
Replies: 50
Views: 6002

Simple Polar. I only use it for the stationary bike (wouldn't use it running outside or resistance, beyond once for curiosity). Found that the monitor really lends a purpose to more monotonous activities like the stationary bike. Beyond television as the only useful distraction, I credit the HRM for...
by SPG8
Sun Jun 26, 2011 12:29 pm
Forum: Investing - Theory, News & General
Topic: Young people working more than one job
Replies: 27
Views: 4104

Re: Young people working more than one job

Billy Pilgrim wrote:when tax season comes around
Don't claim yourself as a dependent on your second job's W4 (claim zero), or otherwise adjust your withholding to ensure you don't wind up owing a significant amount.
by SPG8
Tue Jun 21, 2011 9:08 am
Forum: Personal Consumer Issues
Topic: Any One travelled to Vietnam and Cambodia?
Replies: 47
Views: 6287

My husband and I have travelled to many countries during our 37 years of marriage. I am thrilled to be able to see these two countries and find out more about the Vietnam war. Can't speak to Cambodia, but took three weeks to travel from Ho Chi Minh to Hanoi 15 years ago. My interests were more cult...
by SPG8
Mon Jun 13, 2011 12:32 pm
Forum: Investing - Theory, News & General
Topic: Why Working Longer Won't Close Retirement Shortfalls
Replies: 22
Views: 3698

Even if we were able to inflate our way through a near-term crisis, the most prudent expectation would be that we would then be faced with long-term austerity to address structural imbalances. In that sense, two things can happen in terms of access to Open Access MRI, for example. 1. The price drops...
by SPG8
Fri Jun 10, 2011 4:15 pm
Forum: Investing - Theory, News & General
Topic: Shiller: Home-Price Drop of 10 - 25% 'Wouldn’t Surprise Me
Replies: 53
Views: 7081

I just haven't heard a very compelling "recovery" story. Absent that, it would be difficult to be surprised by a decline in real prices. Perhaps there's enough stimulus already baked in to get everything firing again, but barring that, it's easy to focus on the negatives. Just seems like there are s...
by SPG8
Wed Jun 08, 2011 7:26 am
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 65
Views: 5543

I know nobody asked and probably nobody cares, and I don't want to sound preachy (unavoidable) but try to avoid chemical sunscreens... consider something like this instead, a physical sunblock, your skin will thank you http://www.badgerbalm.com/p-372-spf-30-for-face-body.aspx Think I'm a Badger, no...
by SPG8
Fri Jun 03, 2011 8:12 am
Forum: Personal Consumer Issues
Topic: How safe is it around the national mall in DC?
Replies: 26
Views: 4322

And forget about Adams Morgan for after-hours (that game sure has changed).
by SPG8
Sun May 29, 2011 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: International Stock Index portfolio portion reference
Replies: 31
Views: 2439

Yet the U. S. share of the global market was about the same in 1990 as it is today (I've been challenged on that and haven't produced a reference, but I "know" I'm correct.) How about http://us.vocuspr.com/newsroom/ViewAttachment.aspx?SiteName=vanguardnew&Entity=PRAsset&AttachmentType=F&EntityID=79...
by SPG8
Wed May 25, 2011 11:07 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard bond funds are you currently using, and why?
Replies: 96
Views: 18597

VBMFX = VIPSX

But I also have INTL bond funds that I will gladly exchange for Vanguard products when they become available.
by SPG8
Wed May 25, 2011 8:05 am
Forum: Personal Consumer Issues
Topic: Travelling and Vacation Tips: What places are worth seeing?
Replies: 39
Views: 4562

Thailand is WAY overrated unless your looking to party. A country can't be overrated. adding in Syria I here it's lovely this time of year. I've travelled extensively, so for some new experiences, I'll pass through Syria on my way to some hiking in Sulaynaniyah, will definitely take in the sites in...
by SPG8
Fri May 20, 2011 9:36 pm
Forum: Personal Consumer Issues
Topic: What do you eat for breakfast?
Replies: 116
Views: 12780

Now that you mention it, it does seem weird. Nahhh. The idea that there's an unlimited bounty at your disposal is what's unusual. A convenience of modern society. A regimented diet can be a solid foundation for weight loss, depending on the path. This is especially true if you are burning the candl...
by SPG8
Fri May 20, 2011 11:18 am
Forum: Personal Consumer Issues
Topic: What do you eat for breakfast?
Replies: 116
Views: 12780

GammaPoint wrote:Oatmeal every day.
Soaked overnight to neutralize the phytic acid?
by SPG8
Fri May 20, 2011 8:05 am
Forum: Personal Consumer Issues
Topic: What do you eat for breakfast?
Replies: 116
Views: 12780

Pineapple Chobani (Honey in an emergency)

Banana
by SPG8
Fri May 20, 2011 7:52 am
Forum: Personal Finance (Not Investing)
Topic: What would you tell your child to major in?
Replies: 162
Views: 23176

Incidentally, I'd shoot for the moon initially, then work my way down as the non-viable options are eliminated. Considering that most people don't love their jobs, may as well make money; 1. Professional - doctor, lawyer, dentist, veterinarian etc, identify that goal and then go to college as a mean...
by SPG8
Fri May 20, 2011 7:43 am
Forum: Personal Finance (Not Investing)
Topic: What would you tell your child to major in?
Replies: 162
Views: 23176

I think most of our children should go off and do something in the real world - get a job, join the military, join the Peace Corps or AmeriCorps, etc. before going to college Typically need a degree before joining Peace Corps, because you're purportedly supposed to have skills (although a retired g...
by SPG8
Sun May 15, 2011 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Are Steakhouses worth it?
Replies: 68
Views: 9478

This is basically asking is any restaurant worth it? Not really, because steak is rather simple to prepare and you can, without much skill or effort, just pay more for a quality steak to prepare at home. So the question is more pointed about steakhouses, especially if everyone in the party wants st...
by SPG8
Sat May 14, 2011 9:10 am
Forum: Personal Consumer Issues
Topic: Booze
Replies: 80
Views: 9661

Prohibition? 6. Bulleit Mostly drink real beer, preferably American, but hardly isolationist. Then beyond the occasional G&T or martini when out, the Bulleit is my initial foray into the small batch bourbon market (dare I admit to the rare cigar and bourbon during a splended evening out on the patio...
by SPG8
Fri May 13, 2011 8:47 am
Forum: Personal Consumer Issues
Topic: Some red meat healthier than pork or chicken?
Replies: 107
Views: 10936

Diet composition is largely a red herring, eat quality foods and get to well within your normal BMI range (or don't).
by SPG8
Thu May 12, 2011 3:49 pm
Forum: Personal Consumer Issues
Topic: Do you drink Vodka martini's?
Replies: 35
Views: 4888

Gin. Dry with olive.

After much research;

G&T = Beefeater
Martini = Bombay (not Sapphire)
by SPG8
Mon May 09, 2011 11:49 am
Forum: Personal Consumer Issues
Topic: Some red meat healthier than pork or chicken?
Replies: 107
Views: 10936

nm
by SPG8
Mon May 09, 2011 8:14 am
Forum: Personal Consumer Issues
Topic: Some red meat healthier than pork or chicken?
Replies: 107
Views: 10936

nm
by SPG8
Mon May 02, 2011 2:04 pm
Forum: Personal Consumer Issues
Topic: How do you organize your pockets?
Replies: 101
Views: 11602

Left Front: Wallet Right Front: Keys/Change Back: Nothing Wallet is a little leather card holder with six cards and bills folded money clip style in center, very thin, don't like sitting on anything, especially those old-school, leather filing cabinets some have in their back pocket. Phone in jacket...
by SPG8
Sun May 01, 2011 9:52 am
Forum: Personal Consumer Issues
Topic: Shaving Cream
Replies: 69
Views: 11568

Now that I can no longer buy Burma Shave, any other product is just OK. Taylor of Old Bond with Proraso on deck (I can see a straight razor in my future). Incidentally, I had the Burma shave, which was with a straight razor. If you were in Thailand, and traveled north of Bangkok past ChaingMai/Chai...
by SPG8
Sat Apr 30, 2011 8:55 am
Forum: Personal Consumer Issues
Topic: Do you change the engine oil yourself?
Replies: 78
Views: 8846

Time Out. I've seen oil changes for $100 and $150 posted. We take a Honda Accord to the local garage for $39. What's a Boglehead, anyway? Is it a low-cost index investor or do you have to be cheap, too? If it's the latter, were there some savings left on the table by buying a vehicle that requires a...
by SPG8
Fri Apr 29, 2011 10:59 am
Forum: Investing - Theory, News & General
Topic: What's your benchmark?
Replies: 39
Views: 3515

I use the Vanguard Target Retirement fund that is closest to my estimated retirement date. There is a slice that I "actively" manage with index funds that slant to international stocks/bonds (including foreign)/and cash relative to the 2035. I benchmark that performance against the 2035, which is w...
by SPG8
Thu Apr 28, 2011 12:48 pm
Forum: Personal Consumer Issues
Topic: Razor Update
Replies: 62
Views: 11150

I have no need for brush scuttle Hot Pot (for water) alum block Thayers witch hazel stand for the razor/brush etc I never figured out why a boglehead would create a lot of lather and leave it in the scuttle. It seems a waste to create lather that doesn't go on your face. Far past "need" here. Your ...
by SPG8
Thu Apr 28, 2011 11:52 am
Forum: Personal Consumer Issues
Topic: Razor Update
Replies: 62
Views: 11150

I kept reading about the DE safety razor and finally pulled the trigger, problem is that I either go all in or pass, so I went for a modest kit; Vulfix 2233 Merkur 34C and a sample pack of blades (sticking with the Merkurs until my kung fu is strong), but also sprung for... Taylor & Proraso shaving ...
by SPG8
Tue Apr 19, 2011 8:28 am
Forum: Personal Consumer Issues
Topic: Genetically Modified Organism
Replies: 40
Views: 4721

vegetable oil Yesterday, among other things, I had a Kashi bar, two slices of whole grain bread, balsamic vinaigrette from Wegmans, and a Lean Cuisine dinner. What's common? All are full of vegetable oil, which increases the omega 6:3 (vinaigrette not bad with olive/canola, but the 3 is still only ...
by SPG8
Fri Apr 15, 2011 9:22 am
Forum: Personal Consumer Issues
Topic: Lone Travel Destination Needed Fast!
Replies: 35
Views: 7531

while you could get the necessary immunizations in time (at this point of the year you just need hep a Recommendation is at least one month before travel (just saying). You can borrow other people's antibodies (IG), but that's something else, isn't it? Plenty play it loose, but the OP seems to want...
by SPG8
Fri Apr 15, 2011 8:15 am
Forum: Personal Consumer Issues
Topic: Lone Travel Destination Needed Fast!
Replies: 35
Views: 7531

Virtually everywhere abroad has vaccinations recommended. Here's the CDC site for South Africa... http://wwwnc.cdc.gov/travel/destinations/south-africa.aspx Beyond all your routines (are you current, most adults aren't), it's Hep A & B (B is practically a ubiquitous recommendation, and A is seemingl...
by SPG8
Wed Apr 13, 2011 7:14 am
Forum: Personal Consumer Issues
Topic: An Argument On Driving
Replies: 172
Views: 15987

Re: An Argument On Driving

nm
by SPG8
Tue Apr 12, 2011 7:54 pm
Forum: Personal Consumer Issues
Topic: An Argument On Driving
Replies: 172
Views: 15987

Re: An Argument On Driving

SPG8 wrote:Even if you are a hole, it doesn't mean you have to act like one.
8: Did you see what I did there?

BH: No. What?

8: The munchkin is the hole from the Dunkin' Donut, but Munchkin Man is anything but an @#$%&# hole.

BH: You crack me up, 8.

8: I know, but I also know that Munchkin is the Man.
by SPG8
Tue Apr 12, 2011 11:26 am
Forum: Personal Consumer Issues
Topic: An Argument On Driving
Replies: 172
Views: 15987

Re: An Argument On Driving

Munchkin Man wrote:Best Wishes
That was a classy response, MM, and I believe that's really the take-home here...

Even if you are a hole, it doesn't mean you have to act like one.

Well done, sir, and inspirational.

Sincerely,

8
by SPG8
Tue Apr 12, 2011 7:11 am
Forum: Personal Consumer Issues
Topic: An Argument On Driving
Replies: 172
Views: 15987

Re: An Argument On Driving

Out of respect for the "faster" drivers, as well as for the Munchkin Man's personal safety, the Munchkin Man drives in the right hand lane the vast majority of the time. If the Munchkin Man gets "stuck" in the left hand lane, the Munchkin Man waits patiently until the coast is clear, so that the Mu...
by SPG8
Thu Mar 31, 2011 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Download Trusteer Rapport online fraud protection from BOA
Replies: 4
Views: 1354

Read a little on my own, but would appreciate any commnets as well. Becoming a common offereing from banks.
by SPG8
Tue Mar 29, 2011 12:19 pm
Forum: Personal Consumer Issues
Topic: Fish Oil: Any Downside?
Replies: 62
Views: 10667

So the idea here is that if you want a better 6:3 ratio, you can supplement with fish oil to increase your 3. What about lowering your 6? If most of the dietary 6 comes from vegetable oil, an alternative would be to cook with butter (Kerrygold - grain fed), except that's saturated fat, which is bad ...
by SPG8
Tue Mar 29, 2011 10:38 am
Forum: Personal Consumer Issues
Topic: Fish Oil: Any Downside?
Replies: 62
Views: 10667

Poke around for financial information, but interesting to see what happens when you go off-script. Just started reading about fish oil, and would've expected to see this discussion get around to; - the 6:3 ratio - the option of lowering 6 as opposed to simply trying to raise 3 - grass fed vs grain f...