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Re: Shuttle from Tampa airport to St Pete Beach?

Check out the Dali museum, I think in St Pete.
by protagonist
Sun Apr 20, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 18
Views: 983

Re: Flights D.C. to London: Buy now or wait?

Victoria, I have a friend who is one of those in charge of setting the prices daily on Delta. According to him the algorithm is quite complex and boils down to a constant re-assessment of probabilities based on how many seats are sold and how many are anticipated to be sold. I think it is analogous ...
by protagonist
Sun Apr 20, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 25
Views: 815

Re: New homeowner: lawn care advice

Today I did what most of you lawn enthusiasts would call stupid.

I dug up half my lawn and transplanted patches of my neighbor's moss.
by protagonist
Sat Apr 19, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3645

Re: How to avoid ads and not get tracked

If you use AdBlock, who cares about Ghostery? Tracking software is to customize ads. But, if you don't see ads, who cares about being tracked? OP, what are you doing online that you're so worried about? Why is everybody worried that I am worried and cowering in fear? They are just extensions that a...
by protagonist
Fri Apr 18, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2625

Re: Bogleheads 2014 Hedge fund contest

Not as good as last year, but my fund is still outperforming the S+P by about 400% YTD by shorting last year's winning fund's picks and going long on last year's losers. Not bad, considering I have no idea what companies I have invested in. I think I might be on to something. Another year like this...
by protagonist
Fri Apr 18, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8554

Re: How to avoid ads and not get tracked

Sidney wrote:
dl7848 wrote: Big Brother and Big Data


I saw them in concert two years ago at Red Rocks.


I almost caught that concert, but imho they haven't been the same since Janis Joplin died. Big Data doesn't hold a candle to Janis.
by protagonist
Fri Apr 18, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2625

Re: Bogleheads 2014 Hedge fund contest

Not as good as last year, but my fund is still outperforming the S+P by about 400% YTD by shorting last year's winning fund's long picks and going long on last year's losers. Not bad, considering I have no idea what companies I have invested in. I think I might be on to something. Another year like ...
by protagonist
Fri Apr 18, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8554

Re: Aio Wireless

Sorry you are having trouble with aio. They do not port from straight talk directly from what I understand, that might be the reason you are having issues. You may be interested in ATT gophone, they are revamping their plans this month. http://www.prepaidphonenews.com/2014/04/gophone-60-plan-likely...
by protagonist
Fri Apr 18, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 23
Views: 1231

Re: How to avoid ads and not get tracked

With all the fears of hacking and tracking and Big Brother and Big Data, and the fact that everyone is "all in" in terms of the Internet -- [OT comments removed by admin LadyGeek] [Response to OT comments removed by admin LadyGeek] Right, lu*3. Plus, I don't think for most of us it is a q...
by protagonist
Fri Apr 18, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2625

Re: Aio Wireless

Ah, the Aio declined credit card. I had forgotten about that, sorry. When we ordered our SIM cards and service we had the same issue. My wife and I did ours separately under different credit cards. I don't recall whether we had problems with both or just one but I'm pretty sure the amex card was de...
by protagonist
Thu Apr 17, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 23
Views: 1231

Re: Frugality regret: What thing do you regret not spending

Except I never recall anybody regretting not making more money. That may be due to not knowing what they missed out on. Maybe they would have completed all their undone items if they had more money. Interesting how many people seem to think this, or some variant. My gut feeling in dealing with dyin...
by protagonist
Thu Apr 17, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13358

Re: How to avoid ads and not get tracked

I am looking for any of the Ad blocking and anti tracking software for Firefox Thanks Check out the extension options for Firefox. My guess is that many of these same ones exist on multiple browsers. As lu*3 mentioned, many are customizable, and I find that often one picks up stuff that another doe...
by protagonist
Thu Apr 17, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2625

How to avoid ads and not get tracked

I have added the following extensions to my Chrome browser: Ghostery AVG Do Not Track Javascript Popup Blocker Ad-block Plus Disconnect Do Not Track Me HTTPS Everywhere Flash Block FB Purity (to get rid of all the junk on Facebook). It may seem like overkill, but it is all free and, to my knowledge,...
by protagonist
Thu Apr 17, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2625

Re: Aio Wireless

Aio seems to be doing everything to discourage my business. First I tried purchasing an Aio SIM using my Google Chrome browser. When I type in the perfectly valid IMEI number of my unlocked phone, the computer keeps "thinking" and does not get to the next step. So second I tried using Inte...
by protagonist
Thu Apr 17, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 23
Views: 1231

Re: New homeowner: lawn care advice

Additionally, owning an electric blower is a good idea IMO. I was surprised at how often I used it -like for blowing leaves out of the gutters and also blowing out the garage once a week. I just scoop the gutter leaves out with my gloves. I use my shop vac to vac the garage floor once a month or so...
by protagonist
Thu Apr 17, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3645

Re: Aio Wireless

Thoughts: Runner 9- I've had very good luck with reconditioned and used phones. I unlocked an AT+T Galaxy S3 last year in about ten minutes following instructions on the internet, There are also services that will do it for you, though I cannot speak to their reliability. Research this re: the phon...
by protagonist
Wed Apr 16, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 23
Views: 1231

Re: Frugality regret: What thing do you regret not spending

Hi protagonist, You bring up a good point, but I wonder if they don't bring up money because they see it for what it is - a means to an end - and so therefore, some of your examples : not having more children, not visiting Europe, not going to college could be regrets related to not having enough m...
by protagonist
Wed Apr 16, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13358

Re: Elio Car

[The Elio looks like uncannily like a modernized and streamlined version of the Messerschmidt Kabininroller . jimb I would love to have one of those, its so future looking! Could you the looks you would get with one of those! Edit: Had to look more into this car, http://en.wikipedia.org/wiki/Messer...
by protagonist
Wed Apr 16, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1495

Re: Frugality regret: What thing do you regret not spending

Poker's post above made me think of something. As a physician, I have heard countless stories of life's regrets from people in their dying moments. They are all over the map. Not spending more time with loved ones. Not having more children. Not learning to play the piano. Not marrying the girl of th...
by protagonist
Wed Apr 16, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13358

Re: Aio Wireless

Thoughts: Runner 9- I've had very good luck with reconditioned and used phones. I unlocked an AT+T Galaxy S3 last year in about ten minutes following instructions on the internet, There are also services that will do it for you, though I cannot speak to their reliability. Research this re: the phone...
by protagonist
Wed Apr 16, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 23
Views: 1231

Aio Wireless

I found out about Aio here in a previous thread. I am currently a Straight Talk customer, and Aio strikes me as a slightly cheaper and potentially better alternative. Plus, when I called, I got to speak with an Aio rep right away, which impressed me. Now that they have been out long enough to get re...
by protagonist
Tue Apr 15, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 23
Views: 1231

Re: Elio Car

I love the concept, but it sounds like a work in progress. I hope it is a resounding success. Personally, I would never buy a car by an independent the first year it is released. I would wait a few years for them to work out the bugs and to get reliable reviews and repair records. I feel the same wa...
by protagonist
Tue Apr 15, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1495

Re: New homeowner: lawn care advice

I am going to be a new homeowner. With a house, come lots of responsibilities - lawn care being one. I seek some boglehead'ish advice on what equipment to buy. My suburban TX house will 2700 sq ft. on a 7000 sq ft lot. This would mean my lawn would be about 4000 sq ft or less. I am interested in an...
by protagonist
Tue Apr 15, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3645

Re: Frugality regret: What thing do you regret not spending

I do a good bit of family law. On the humorous side: I have a client that I met with last week that said he was worried about the cost of condoms where they were provided (at an apparent large markup). He had an experience later that evening where the purchase would have been useful. His costs in a...
by protagonist
Tue Apr 15, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13358

Re: Frugality regret: What thing do you regret not spending

I think what it takes to avoid regret is not so much money, because the amount is often trifling, but courage. Be brave and you won't have regrets. Prefer the greater thing to the lesser, no quarter given to cowardice, and full steam ahead. That might mean a once-in-a-lifetime trip to Spain. It mig...
by protagonist
Mon Apr 14, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13358

Re: The case against small cap value

But it is important to pick a good strategy and stick with it. I have found from experience that investing strategies tend to work really well right after you have given up on them. Unfortunately what is a "good strategy" is subjective, and as long as one is winning one tends to pat one's...
by protagonist
Sun Apr 13, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 5121

Re: Woodpeckers...I'm desperate!

I think this is the funniest solution I have seen: "Mount small magnifying mirrors, like the ones you use in the bathroom to apply makeup, flat on the house, magnifying side up, where you notice the damage." http://www.rosieonthehouse.com/faq_detail.aspx?id=337 I'd love to hear the results...
by protagonist
Sun Apr 13, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3413

Re: LED bulb prices

Would anyone who bought some of these recessed ceiling LEDs, esp. the Costco ones, mind commenting on dimmer performance? The one thing holding me back from replacing a number of bulbs in our house is that we use the dimmers a lot on our current bulbs, and I haven't been happy with how low/quiet th...
by protagonist
Sun Apr 13, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Re: Frugality regret: What thing do you regret not spending

I almost regretted something. I used to live in a pretty tough neighborhood in a certain hot and muggy city that didn't use enough air conditioning. I had packed my laundry to the laundromat on my back and the place was like a furnace, so I went outside and sat on the step, just wishing the dang wa...
by protagonist
Sun Apr 13, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13358

Re: What Book Are You Currently Reading? Part V

LadyGeek wrote:^^^Already completed - I hate to say this, but you're the one that started me on the series. See: Re: What Book Are You Currently Reading? Part V (page 39 in this thread). Since then, my husband has also read the series.




Oops....how soon I forget. Anyway, I hope you enjoyed it.........
by protagonist
Fri Apr 11, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2628
Views: 599396

Re: general (financial) advice about musical instruments/les

Or because they had a hard time finding others to play with as they aged,,,,,playing with others is great incentive to keep practicing, and intensive regular practice is critical for musicians. Sort of like why a lot more adults play sports like skiing and golf and tennis, that don't require a lot ...
by protagonist
Fri Apr 11, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: general (financial) advice about musical instruments/lessons
Replies: 109
Views: 6558

Re: What Book Are You Currently Reading? Part V

I'd highly recommend Startide Rising as well. I've been reading SciFi at a pretty good rate for 50 years now, and to my taste anyway Startide Rising is in the very top group along with Dune and Left Hand of Darkness. Sadly the rest of the Uplift series is not at the same level. Uplift War is probab...
by protagonist
Thu Apr 10, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2628
Views: 599396

Re: Updating Windows 8 to 8.1

Followup: I upgraded my Lenovo Yoga 13 from 8 to 8.1 and it is awful. The main advantage: the start button. Nice, but big deal. The problem: Whenever I load any security software on my computer, it slows to a snail's pace, esp. the internet. And it is buggy. I deleted Avast and Malwarebytes, tried B...
by protagonist
Thu Apr 10, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Updating Windows 8 to 8.1
Replies: 15
Views: 1088

Re: general (financial) advice about musical instruments/les

Hardly any of the students in our high school bands continue playing after graduation. Perhaps because they were not playing because they enjoyed it but only because their parents made them do it. Sad. Or because they had a hard time finding others to play with as they aged,,,,,playing with others ...
by protagonist
Tue Apr 08, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: general (financial) advice about musical instruments/lessons
Replies: 109
Views: 6558

Re: LED bulb prices

IMO the question is more about LED vs CFL, To my thinking, I would take LED hands down over CFL. Perhaps I am biased against CFL.....I know people say the new ones are much better than the earlier ones....but wherever I see CFL and am aware of it, I find the light very harsh. Plus a number of CFL's...
by protagonist
Mon Apr 07, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Re: LED bulb prices

It would be better to calculate than imagine. At one hour per day, assuming 15 watts vs. 60 watts, the savings would be 45 watts per day and about 16,000 per year. 16 Kw at 12 cents per kW would be about $2 per year. So it only takes 27 months or about 800 hours of use to break even on a $5 LED. Th...
by protagonist
Mon Apr 07, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Re: How are you preparing for the coming bear market

Since Bear markets happen on a regular basis there is one coming, not that anyone knows when. Is there anything you do to prepare for the coming bear market beyond "stay the course"? Take your personal risk tolerance into account when choosing an asset allocation strategy, to prevent pani...
by protagonist
Mon Apr 07, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7800

Re: reading advice for an ambitious woman in her early 20s?

I am the mother of a very bright and enterprising young woman in her early 20s. She has a great future ahead of her. There is only one issue - like some others her age, she will not or does not want to hear advice that comes from her parents. She either has to learn it for herself (often the hard w...
by protagonist
Mon Apr 07, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: reading advice for an ambitious woman in her early 20s?
Replies: 32
Views: 2274

Re: How has a Taleb-esque portolfio done recently?

From what I have gleaned from these forums, I'm not a huge Taleb fan. His main message regarding what he calls "black swans", their importance in driving events, and the importance of limiting one's fragility to such events if possible, is very sound and is an important message. But there ...
by protagonist
Mon Apr 07, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: How has a Taleb-esque portolfio done recently?
Replies: 34
Views: 3546

Re:

I don't really get it. If you put 100% of your money in the bank. You missed the investment turmoil. Does that make it a good investment? All he seems to be saying is a 10/90 split is less risky. I'm not really sure that was news. Thanks SP-diceman I agree with this. It is essentially investing ext...
by protagonist
Mon Apr 07, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: How has a Taleb-esque portolfio done recently?
Replies: 34
Views: 3546

Re: LED bulb prices

I believe it is this bulb: http://www.homedepot.com/p/Philips-100W-Equivalent-Soft-White-2700K-A21-Dimmable-LED-Light-Bulb-E-432195/204384620 Though that link is to a store in W Spfld, MA and it states there are only 6 in stock, I found mine in a Home Depot in Hadley, MA and they seemed to have qui...
by protagonist
Mon Apr 07, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Re: LED bulb prices

I bought 100W equivalent (over 1600 lumens) Soft White (2700 K) PhilipsLED bulbs at Home Depot in MA yesterday for under $15. List price was, I think, about $33. Do you mind sharing the model of this bulb ? What kind of base ? I believe it is this bulb: http://www.homedepot.com/p/Philips-100W-Equiv...
by protagonist
Sun Apr 06, 2014 11:16 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Re: Flash Boys For the People

The author's editorial points get pretty well disassembled in the Reader's Comments section. It seems pretty ludicrous to claim that HFT benefits the small investor and may only hurt the institutional investors, pension funds, etc. Whose money does the author think the institutional investors repre...
by protagonist
Sun Apr 06, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Flash Boys For the People
Replies: 7
Views: 945

Re: LED bulb prices

I bought 60W equivalent Cree Soft White (2700 K) LED bulbs at Home Depot in MA yesterday for under $5.....I think $4.97. I bought 100W equivalent (over 1600 lumens) Soft White (2700 K) PhilipsLED bulbs at Home Depot in MA yesterday for under $15. List price was, I think, about $33. They dim well to ...
by protagonist
Sun Apr 06, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Flash Boys For the People

Unlike what I imagine about most people who frequent this forum, I read very little about finance. But I stumbled on this editorial from yesterday's NYT that I found interesting, and of potential interest to others here. Michael Lewis concludes in his book "Flash Boys" (I wonder if they ca...
by protagonist
Sun Apr 06, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Flash Boys For the People
Replies: 7
Views: 945

Re: When does depreciating a rental property save on taxes?

A few more questions on this topic: 1. I will start taking social security in 9 years, at which time my tax bracket may go up. So is it foolish to depreciate now if I am in the 15% bracket? 2. And can you start and stop depreciating at will? 3. If you stop depreciating do you have to pay the back d...
by protagonist
Fri Apr 04, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4276

Re: The Quest for Alpha

2. Page 96. “Black, in an interview with Roger Ibbotson, offered this advice: “Information is more valuable sold than used.” I liked it so much that I made it my signature, for now. A related thought from Neil deGrasse Tyson (edited by me to conform to forum guidelines): "If you are really suc...
by protagonist
Thu Apr 03, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: The Quest for Alpha
Replies: 4
Views: 512

Re: The case against small cap value

A few months ago, I reached the point in my investing life where my IPS authorizes me to tilt. I started out as a lazy portfolio investor. I was initially planning to tilt towards small cap value but I have been seriously rethinking the strategy, after research, partly thanks to this awesome forum....
by protagonist
Thu Apr 03, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 5121

Re: When does depreciating a rental property save on taxes?

A few more questions on this topic: 1. I will start taking social security in 9 years, at which time my tax bracket may go up. So is it foolish to depreciate now if I am in the 15% bracket? 2. And can you start and stop depreciating at will? 3. If you stop depreciating do you have to pay the back de...
by protagonist
Wed Apr 02, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4276

Re: Anyone been to Budapest?

The toast in Hungarian is (forget about the spelling) "egashegadre".

I love the way it sounds. It might be useful for your trip.
by protagonist
Sun Mar 30, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Budapest?
Replies: 28
Views: 2017
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