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Re: Boglehead Fitbit group

I have a pedometer built in to my cell phone - LG G3 . I don't think it's increased my physical activity much. It's a bit scary to look at the data actually. Most days I average only about 3000 to 4000 steps. Sometimes as few as 1500. Best not to look at it ;) You probably want to mix in a walk or ...
by madbrain
Sat Jan 31, 2015 9:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 29
Views: 1959

Re: Assisted Living Facilities... Weird 'Atmosphere...'

I'd be worried about overmedication, or meds just to keep everyone quiet. Try to find out diplomatically if everyone is sedated. Of course, quiet is better than chaos so depending on the pts it may be necessary. That would be my concern as well . See : http://www.npr.org/blogs/health/2014/12/08/368...
by madbrain
Fri Jan 30, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 3583

Re: Boglehead Fitbit group

So it is basically marketing hype from the company that sells the devices. No. I don't know where fitbit got their 43% from. However, using a pedometer does result in an increase in activity. A 2007 meta-analysis of pedometer studies published in JAMA - http://jama.jamanetwork.com/article.aspx?arti...
by madbrain
Fri Jan 30, 2015 7:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 29
Views: 1959

Re: Good Wines

I like a bottle of Mouton Cadet red wine every once in a while, from Bordeaux. It's pretty generic, but good enough for me and it's maybe 10 bucks or so. Yep, I drink that too, but it's usually only $7.99 at my local Trader Joe's, so not in the op's price range ;). I'm happy with most recent vintag...
by madbrain
Fri Jan 30, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 37
Views: 1905

Re: Fidelity brokerage link

I used Brokerage Link to buy VWO , Vanguard Emerging Market, ETF in my 401k. You should be able to buy any Vanguard ETF depending on your company plan, with a relatively low $8 commission. Of course if you have a small balance and are making periodic contributions, then the commissions will add up. ...
by madbrain
Thu Jan 29, 2015 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity brokerage link
Replies: 15
Views: 1394

Re: What if everyone was a Boglehead saver?

mrboast wrote:But all of this to the benefit of future GDP growth, right? At some point Bogleheads will have to spend their money, right!?


Do they ?
Image
by madbrain
Thu Jan 29, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: What if everyone was a Boglehead saver?
Replies: 18
Views: 1832

Re: Salary to Home Value/Mortgage Ratio?

I'm clearly far outside of the Bogleheads standard at 1:8.5 salary to home value and 1:2:2 salary to mortgage . Yet I make it work and even saved 25% of gross income last year somehow.
by madbrain
Tue Jan 27, 2015 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary to Home Value/Mortgage Ratio?
Replies: 50
Views: 5396

Re: USA Medical Insurance, while travelling overseas?

I am not really losing it, rather, i'm being offered to continue with it, buying it on my own. which, i don't think is a 'qualifying event' for the ACA, however I dont know about private (off-ACA) type deals...... You're asking for special enrollment because you are losing employer-paid health insu...
by madbrain
Mon Jan 26, 2015 9:25 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 887

Re: USA Medical Insurance, while travelling overseas?

I would go with the COBRA if it's just 1 month, especially as you can enroll within 60 days, ie. retroactively. Even without employer subsidy, it may be cheaper than the ACA plans, because it's a group of healthy people. However, this depends on your company size. If it's a small company, the ACA pl...
by madbrain
Mon Jan 26, 2015 9:24 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 887

Re: Half off TurboTax thru Monday

For those who also use Quicken, the bundles for Turbotax and Quicken on amazon are still a better value, IMO. They also offer 10% extra if you choose to redeem your tax refund in Amazon gift cards. http://www.amazon.com/TurboTax-Premier-2014-Quicken-Bundle/dp/B00Q5R91SE/ref=sr_1_1?ie=UTF8&qid=14...
by madbrain
Mon Jan 26, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4293

Re: Silly to consider buying a home because of interest rate

loans aren't portable Wowza, I wasn't aware of that... that alone pretty much tips the scales in favor of "not buying" for me. So if I understand... if I had a house with say, a 3.5% rate and then some years down the line I wanted to move but the new going rate was 7.5%, I'd pretty much b...
by madbrain
Fri Jan 23, 2015 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Silly to consider buying a home because of interest rates?
Replies: 29
Views: 2783

Re: When is cash still king?

When doing international travel. Many merchants in the Philippines wanted 10% surcharges for using credit cards.
by madbrain
Thu Jan 22, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2803

Re: "Chip" credit card for foreign travel

So I'm doing a lot of international travel lately. I'm currently in Bangkok, Thailand. I have experienced major problems with my Fidelity Amex chip and signature card here. Firstable, not that many merchants take amex. The merchants have tried to use it with their chip readers, but to no avail. They...
by madbrain
Mon Jan 12, 2015 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 15897

Re: POLL: Homeowners Ins cost $/month per $100k home value?

About $1800/year for a $1.4M home with Safeco and $7500 deductible. This comes to just under $11/100k/month. Technically the insured amount is $1.8M but the market value is $1.4M. The $1.8M is what the insurance company estimates it would cost to rebuild my house, should it burn down. However the in...
by madbrain
Mon Jan 12, 2015 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3141

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Bogleheads: We are pleased to announce Registration for the 2015 Boglehead Contest. But first, let's learn from the 2014 Boglehead Contest: * Our Boglehead S&P 500 guesses ranged from a high of 3146 to a low of 960. Can anyone really forecast the stock market except by luck? Of course not, as t...
by madbrain
Fri Jan 02, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19746

Re: What are you up YTD?

The Vanguard web site really makes it pretty damn hard to know what I am "up" YTD. When I go to my accounts/personal performance and select the "YTD" view, there is no total return % computed. By comparison, the Fidelity web site can do this on my 401k - and I have verified that ...
by madbrain
Sat Dec 27, 2014 5:56 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30090

Re: What Movie Have You Recently Watched?

I assume you mean "The Imitation Game" and not "The Imagination Game". In Turing's famous paper about whether computers can think the Turing test is introduced in the subsection of the paper titled "The Imitation Game". IMO The Imitation Game is a very good movie which...
by madbrain
Sat Dec 27, 2014 4:28 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56456

Re: "Chip" credit card for foreign travel

Madbrain, thanks for the report, I will be in Paris for 9 days in April so I am looking forward to trying one of my Chase "chip" credit cards in a RATP kiosk (but will have plenty of Euro notes as a fallback just in case). I tried to use a Chase card in the BVG (Berlin) & DB kiosks a ...
by madbrain
Wed Dec 24, 2014 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 15897

Re: POLL: What are your monthly food expenses?

About $400/month per person. This is including restaurants, and food items. I break down my grocery bills between food and other items, as my main grocery store is Costco, but food only accounts for about half of my spending there - I also buy a lot of movie tickets, cat litter, cat food, etc. I tra...
by madbrain
Tue Dec 23, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 4884

Re: "Chip" credit card for foreign travel

stan1, sperry8, I used my magstripe cards at automated Trenitalia kiosks in Venice last month with no problem. they didn't require chips. How do you know the kiosks you went to require chips ? Glad to hear it. I'm headed back to Italy next week. A couple of years back I couldn't use my card at the T...
by madbrain
Tue Dec 23, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 15897

Re: What % of net worth is your home?

HCOL area, about 80%, and I bought my very large home foreclosed near the bottom of the housing crisis.
It has appreciated more than all of my other assets in the last 4.5 years. I do not expect that trend to continue.
by madbrain
Tue Dec 23, 2014 3:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10990

Re: How long did your IT career last? At what age did it en

which were either hard-wired into a computer or could connected to remote computers through acoustic couplers connected to your telephone. http://dial-a-grue.com/gory/wp-content/uploads/2011/03/IMG_1093.jpg Soon video display terminals replaced the typewriter/printers, and over time it all evolved ...
by madbrain
Wed Dec 10, 2014 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15074

Re: How long did your IT career last? At what age did it en

To an old timer the whole cloud mystique is a little humorous. Back in the '60s we called it timesharing. Admittedly it's more full functioned than it was back then, but it's just remote computing (which was what we did before PCs) with another name. I wasn't around in the 60s but my dad told me ab...
by madbrain
Tue Dec 09, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15074

Re: Credit card sign-on bonuses -- worth the trouble?

I spent this weekend attending lectures on various aspects of frequent travel. If I understood it correctly, around 2010, airlines were facing bankruptcies and asking banks to help them out. As a part of the deal, airlines gave miles to banks at significant discounts, which banks are now using as s...
by madbrain
Sun Dec 07, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6846

Re: How long did your IT career last? At what age did it en

Last week a co-worker and I interviewed a senior level programmer in India who had all of 4 years experience. The dead air on the phone where the responses should have been to the technical questions was pretty telling, and not at all surprising. It's even worse than you think. I interviewed someon...
by madbrain
Sun Dec 07, 2014 5:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15074

Re: Credit card sign-on bonuses -- worth the trouble?

My last hard pull just dropped off my credit report today according to Karma ! Not sure what my FICO score is, but CK says 780 . And average account age is now 5 years and 10 months, and that gets a "C" rating from CK. You have a report with each of the 3 major CRA's and the number of har...
by madbrain
Sun Dec 07, 2014 5:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6846

Re: How long did your IT career last? At what age did it en

This is sad and just goes to show how the so-called shortage of software engineers/IT people is just complete B.S. . What there actually is is a a shortage of young and cheap labor. As a hiring manager, there's definitely a shortage of DECENT engineers of any age. There is no shortage of low-skille...
by madbrain
Sat Dec 06, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15074

Re: Why So Many Used Prius for Sale?

Per Toyota's brochure: "Hybrid vehicle battery expected life is 150,000 miles based on laboratory bench testing" Warranty: "Hybrid-Related Component Coverage: Hybrid-related components, including the HV battery, battery control module, hybrid control module and inverter with converte...
by madbrain
Sat Dec 06, 2014 7:39 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7041

Re: How to find refundable airfare or open ticket ?

MIL passed away on wednesday. The funeral was on friday

We still haven't rescheduled the trip but will be looking to do it this weekend.
by madbrain
Sat Dec 06, 2014 6:38 am
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 17
Views: 1546

Re: Credit card sign-on bonuses -- worth the trouble?

Do you know how long one has to be an ex-card member to collect those bonuses ? I have a few Chase card that I haven't used in years, including one Freedom card. They are among my oldest accounts, so my credit score would take a hit presumably if I closed them. Chase policy is that it has to be at ...
by madbrain
Sat Dec 06, 2014 4:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6846

Re: mother-in-law wrecked our car

That sounds like vicarious liability, not ultimate liability. Do you really think that the actual driver of the car is less liable than the owner of the car? GEICO can make any decision they want to make. They do not have to make a correct decision. But surely if they thought they could legally rec...
by madbrain
Sat Dec 06, 2014 1:43 am
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5428

Re: Stanley Kubrick's 2001 a space odyssey

For anyone with an iPhone4/5/6 with Siri ask her "Do you know hal" and see what she says..... There are a few quite good responses so you may not get the same response each time. And for those of us who don't use iPhones, does Siri have an old-fashioned phone number ? I asked my Amazon Fi...
by madbrain
Sat Dec 06, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 4563

Re: Credit card sign-on bonuses -- worth the trouble?

One obvious card right now is the Chase Freedom. The bonus is 20k Ultimate Rewards points, worth at least $200 in statement credits or more if you leverage them by transferring them to a partner through another eligible Chase card. This is after $500 in spending. The bonus is usually 10k points. Th...
by madbrain
Sat Dec 06, 2014 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6846

Re: Share your networth progression

#1. Go to the best school that you can get into, #2. Major in the highest, in expected income, field, #3. Work your ass of in school. Do multiple internships with high profile companies, #4. Pick a job / profession that would maximize income, #5. Don't stay in the same job too long. Statistics show...
by madbrain
Fri Dec 05, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24581

Re: Most stocks are losers - golden swans drive returns of i

Interesting study from Chase - most stocks in an index drag down returns. It's only a handful of 'golden swans' that drive index return. https://www.chase.com/content/dam/privatebanking/en/mobile/documents/eotm/eotm_2014_09_02_agonyescstasy.pdf And of course, they are not the same stocks every year...
by madbrain
Fri Dec 05, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: Most stocks are losers - golden swans drive returns of index
Replies: 21
Views: 2690

Re: My Rate of Return on my 401K is 9.83%. Is that Good?

ok thanks. I was curious because my company offers financial advice through Financial Engines, and I wasn't sure if it was necessary for me to do that. Financial Engines seems focused on trying to get me to contribute more to my 401K, which I disagree with because I am already contributing up to th...
by madbrain
Fri Dec 05, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Rate of Return on my 401K was 9.83%. Is that Good?
Replies: 30
Views: 2579

Re: mother-in-law wrecked our car

Various sources are available to help explain the many causes of "pedal misapplication" and one of the best is from the National Highway Traffic Safety Administration on "Pedal Application Errors." Here's the link: http://www.nhtsa.gov/staticfiles/nti/pdf/811597.pdf‎ thanks for ...
by madbrain
Fri Dec 05, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5428

Re: mother-in-law wrecked our car

Various sources are available to help explain the many causes of "pedal misapplication" and one of the best is from the National Highway Traffic Safety Administration on "Pedal Application Errors." Here's the link: http://www.nhtsa.gov/staticfiles/nti/pdf/811597.pdf‎ Interesting...
by madbrain
Fri Dec 05, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5428

Re: mother-in-law wrecked our car

That sounds like vicarious liability, not ultimate liability. Do you really think that the actual driver of the car is less liable than the owner of the car? GEICO can make any decision they want to make. They do not have to make a correct decision. But surely if they thought they could legally rec...
by madbrain
Fri Dec 05, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5428

Re: Where do I go to get my 3 credit reports?

annualcreditreport.com
by madbrain
Fri Dec 05, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I go to get my 3 credit reports?
Replies: 7
Views: 746

Re: Is 18 too young to start investing?

Monty: Starting to invest at an early age is one of the smartest things anyone can do because it begins the magic of compound interest. Consider opening a Roth IRA with a Vanguard Target Retirement fund ($1,000 minimum). You can get started here: https://investor.vanguard.com/mutual-funds/target-re...
by madbrain
Fri Dec 05, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 18 too young to start investing? (Investing from the UK)
Replies: 12
Views: 787

Re: How long did your IT career last? At what age did it en

Your comments about the job market remind me of Y2K. They were paying big bucks for anyone who had ever programmed in COBOL on mainframes. I knew people who had been retired for years getting $50K - $60K for a few months of work to fix the old systems. Ah, those were the good 'ole days! :happy Expe...
by madbrain
Fri Dec 05, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15074

Re: How long did your IT career last? At what age did it en

There are some companies (think silly valley) who don't like older workers. Others, say defense contractors, telecom etc. don't seem to have a problem. Well, I was in silly valley. Had I known other places were different, I'd have looked there. This is sad and just goes to show how the so-called sh...
by madbrain
Fri Dec 05, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15074

Re: Stanley Kubrick's 2001 a space odyssey

I saw it the first weekend it came out. I *loved* it, my girlfriend hated it. I've probably seen it 15 times since then, and it made me a lifelong Kubrick fan. Still married to her, and she still hates it. :happy Congrats on the marriage. Seems the movie provokes a reaction with most people, either...
by madbrain
Thu Dec 04, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 4563

Re: Low Price Nikon Camera

Then you may be interested in a weatherproof DSLR. My Pentax K-30 is one such model. The K-50 that replaced it is weatherproof also, and nearly identical except for style. Looks like the black K-50 with more conventional style is only $366 for bod y ! Cool! I had no idea. One reason for not owning ...
by madbrain
Thu Dec 04, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1813

Re: Stanley Kubrick's 2001 a space odyssey

I loved the movie when it came out. After I set up my home theater it was the first Blu-ray Disc I watched -- and I made my wife and kids watch it with me. Afterwards my kids said "Dad, that was weird" and they looked at me funny. They also don't trust my movie recommendations anymore. Oh...
by madbrain
Thu Dec 04, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 4563

Re: Stanley Kubrick's 2001 a space odyssey

DaftInvestor wrote:For anyone with an iPhone4/5/6 with Siri ask her "Do you know hal" and see what she says.....

There are a few quite good responses so you may not get the same response each time.


And for those of us who don't use iPhones, does Siri have an old-fashioned phone number ?
by madbrain
Thu Dec 04, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 4563

Re: Low Price Nikon Camera

I don't take my tripod with me anymore since my DSLR now has such a high usable ISO range that it's moot. If you are on instagram look up timlaman. Take a look at the upstate NY waterfall. Or the picture down just a little taken on the coast of Maine. Both shots taken at long exposures. Two seconds...
by madbrain
Thu Dec 04, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1813

Re:

I have had several Nikon DSLR's, but lugging them around gets old fast especially on a trip somewhere. Camera bags, lenses, chargers, tripods. Yes, lugging stuff around is definitely an inconvenience. But you don't have to take all your gear with you everywhere every single day. You can choose what...
by madbrain
Thu Dec 04, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1813

Re: Low Price Nikon Camera

For my next purchase I'm thinking a drone: http://www.bhphotovideo.com/explora/video/features/drones-holidays-aerial-video-photo-every-budget-skill-level?cm_mmc=EML-_-Holiday2014-10AY-_-141204-_-Body_Explora_Drones HD video for $72 and no need to climb up the 1000 ft vertical rock face to get the s...
by madbrain
Thu Dec 04, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1813
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