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Re: roomba?

Years ago I bought a Roomba, and wound up spending more time cleaning it than I would have spent actually vacuuming. At the time there was an interesting user group somewhere (yahoo?) devoted to tips about how to clean it without ruining it, hacks, and so on, until one day the group totally vanishe...
by protagonist
Thu Aug 28, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: roomba?
Replies: 13
Views: 1258

Re: vacation destinations similar to Savannah or Charleston

Due to illness my daughter and I had to cancel a trip to Destin last year (have never been there--it was for a wedding). The airline will allow us to use our tickets to fly anywhere in the continental US as long as we use them before Thanksgiving and of course pay the difference if there is any, bu...
by protagonist
Wed Aug 27, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1533

Re: Copyright question

A month ago I made a presentation on a topic I have created myself. It's a mix of science (Behavioral Economics) and personal relationships (Dating), or BED. The presentation went well and several people asked for a copy of my slides, because the conference itself does not maintain a database of pr...
by protagonist
Wed Aug 27, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1462

Re: New home worth the extra $$?

My wife and I are first time home buyers and started looking at houses this weekend and saw a couple of new houses which we really liked. The difference between a 10 year old house and a new house is about 25K (the older homes are in the 390-400K range the newer ones are in 415-425K range), do you ...
by protagonist
Wed Aug 27, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1739

Re: The Worst Investment You Can Make: Buying a Home

I'm thinking of a friend who bought an apartment in Harlem with cash, 5th Ave on Central Park, around 2000 for $250K that is worth nearly $1M now. My friend's other assets do not amount to more than $10K maximum. Unlike most of us, my friend was hardly touched financially by the 2008 crash or 9/11,...
by protagonist
Tue Aug 26, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15853

Re: Smartphone recommendations for under $200

My mother has a cheap android phone so I'm thinking about buying her a new one. She uses it for texting, taking pictures, checking facebook, checking email, surfing the web, talking, etc. I think the top requirements would be a big screen (at least 4" but the bigger the better), a good camera ...
by protagonist
Tue Aug 26, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 1955

Re: When to leave a neighborhood for greener pastures?

It is so difficult to get myself to consider moving when my current place is so cheap. What do you think I should do, based upon this information? I think you should do what you want to do within what you believe you can afford, not what strangers tell you to do on a web forum. Not knowing a lot mo...
by protagonist
Tue Aug 26, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: When to leave a neighborhood for greener pastures?
Replies: 46
Views: 4791

Re: Pay cash for flight on sale, or use FF mileage quandry

sorry protagonist, don't understand what you mean : "That said, a saving of +/- $500 is not a lot for the price of 60K miles. But if you only fly once every two years, it is probably worth it. You have plenty of time to collect another free flight and more." also what is "down conver...
by protagonist
Tue Aug 26, 2014 1:10 am
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 29
Views: 1954

Re: Zegna Suits

researchmed, you forgot to mention the third type of bogleheads, I belong to that group, and these are the ones who WANT to spend some of it, and also WANT to build their wealth at the same time slowly but surely so that (market conditions giving) the lifestyle and enjoyment of material things will...
by protagonist
Mon Aug 25, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8846

Re: The Worst Investment You Can Make: Buying a Home

But it is worth considering whether someone should make their house a very large portion of their total networth. It is a highly undiversified asset. Yes, but in most markets it is probably a reasonably stable and secure asset (compared with, say, equities), and it provides the security of a roof o...
by protagonist
Mon Aug 25, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15853

Re: Zegna Suits

researchmed, you forgot to mention the third type of bogleheads, I belong to that group, and these are the ones who WANT to spend some of it, and also WANT to build their wealth at the same time slowly but surely so that (market conditions giving) the lifestyle and enjoyment of material things will...
by protagonist
Mon Aug 25, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8846

Re: Zegna Suits

Hi all, I am shopping for outfit for my upcoming wedding. I like ZEGNA line, their suits are very comfortable and made in Italy from good Egyptian or Australian fabrics, The outfit from Zegna would run me about $4500, is this too pricy? I tried on Armani, Boss, Canelli, but these definitely do not ...
by protagonist
Mon Aug 25, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8846

Re: Pay cash for flight on sale, or use FF mileage quandry

Hello. I'm having a bit of a problem framing the right thing to do. In short I want to fly from SFO <-> Tokyo Jan 2015 , I have a United Card that I got for the 1 time 20,000 free miles, and never use, there is an upcoming annual fee due, maybe $85 end of October. My flight requires 70,000 miles, b...
by protagonist
Mon Aug 25, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 29
Views: 1954

Re: Zegna Suits

Hi all, I am shopping for outfit for my upcoming wedding. I like ZEGNA line, their suits are very comfortable and made in Italy from good Egyptian or Australian fabrics, The outfit from Zegna would run me about $4500, is this too pricy? I tried on Armani, Boss, Canelli, but these definitely do not ...
by protagonist
Mon Aug 25, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8846

Re: Why don't utilities get any praise

Bonds are a completely different investment. For credit risk free bonds, the safe return of principal is guaranteed, ditto the payment of coupon, Dividends are optional at the discretion of the shareholders on the recommendation of the directors. If the directors do not recommend a dividend, the sh...
by protagonist
Mon Aug 25, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3691

Re: Give Your Portfolio Room To Maneuver-DFA/Bridgeway

My gut feeling is that arguments such as these are "rizando el rizo"....literally in Spanish, "curling the curl", or complicating matters further that are already complicated enough without adding anything of great value (except, in cases such as this, giving pundits, financial a...
by protagonist
Sat Aug 23, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Give Your Portfolio Room To Maneuver-DFA/Bridgeway
Replies: 13
Views: 1697

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article? I would agree BOTH make poor investments. Also for many marriage is a terrible investment as well. It is a good lesson in life to learn that not every decision we make in life are nor should be financially motivated. At the e...
by protagonist
Sat Aug 23, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15853

Re: Favorite guitarist...

What this post reveals is not so much who is the best guitarist of all times, but rather the homogeneity of the Bogleheads sample group. Were all of the best guitarists of all times rock or blues musicians who did their best work between the late sixties and the early 80s? Admittedly, there are som...
by protagonist
Sat Aug 23, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21108

Re: The Worst Investment You Can Make: Buying a Home

But it is worth considering whether someone should make their house a very large portion of their total networth. It is a highly undiversified asset. Yes, but in most markets it is probably a reasonably stable and secure asset (compared with, say, equities), and it provides the security of a roof o...
by protagonist
Fri Aug 22, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15853

Re: To be truly rich, take stock of your life before investi

Investing and LBYM leads to financial independence, which means freedom. It's as simple as that. I completely agree with this. The flip side is that so many people fail to take advantage of the freedom they have bought with their independence. They always want just a little more, and (due to raisin...
by protagonist
Thu Aug 21, 2014 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4498

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article? +1 Or a spouse or living partner, for that matter. People cost money. There is more to investing in your future happiness than a potential slight edge in financial return based on historical data. Whether you do better financ...
by protagonist
Thu Aug 21, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15853

Re: Subaru Blues

Been contemplating the purchase of a new vehicle and considering the Subarus. Just learned of an acquaintance who owns one that is 2 years old with 19K miles (sedan, not sure which model). Seems that while driving, the dash status lights all lit up and began flashing and the steering went fuzzy. Sh...
by protagonist
Thu Aug 21, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 85
Views: 7161

Re: B&H Photo - NY City Experience

Hi All, In researching prices for a new computer, I found that B&H Photo in NY City has excellent prices. I'm a little hesitant to make this type of purchase online, especially since I would need to give them my credit card number. Is this a reputable company. Has anyone had any experience with...
by protagonist
Thu Aug 21, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2344

Re: Favorite guitarist...

What this post reveals is not so much who is the best guitarist of all times, but rather the homogeneity of the Bogleheads sample group. Were all of the best guitarists of all times rock or blues musicians who did their best work between the late sixties and the early 80s? Admittedly, there are some...
by protagonist
Thu Aug 21, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21108

Re: Where to live? She works in Boston, he works in Worceste

I'd look at Newton or maybe even Brookline. The commute west on 90 shouldn't be too bad - most people should be going the other way. There are many factors that you need to consider. 1. Any school-age kids? If so school systems are important. 2. Is affordability important? 3. Are you both intereste...
by protagonist
Sun Aug 17, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2151

Re: What smartphone plan do you use?- off contract

Almost 2 months into Airvoice. I find that my internet connection is less reliable than it was with Straight Talk....that is the main difference. Several times I could not connect. I don't use much data, and don't need it for work, so the $20 monthly savings with Airvoice is more important to me tha...
by protagonist
Mon Jul 07, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5568

Re: Which Med school?

My daughter will be joining Univ of Wisconsin, Madison med school next month. As mentioned before she will be getting full tuition scholarship, which amounts to about $100,000 over four years (in state rate). I would like to thank all of you who gave excellent advise which helped her make the decis...
by protagonist
Mon Jul 07, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12764

Re: Which Med school?

Shocking to me that she was accepted to schools like Northwestern and Vanderbilt (excellent schools), and not even offered interviews at schools like Tufts and Tulane which I would not consider to be as selective. Any thoughts? Was her application too good for those schools? "Excellent school&...
by protagonist
Mon Jul 07, 2014 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12764

Re: Eneloop batteries in smoke detectors

I know this is an ignorant question, but I assume when you replace the smoke detectors, though the wiring is likely simple and the same, the mounts for the new ones will likely be different (especially if the ones there are older) , so it may well involve ceiling repair, painting, etc.....not just a...
by protagonist
Wed Jul 02, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1826

Re: Eneloop batteries in smoke detectors

OK....convinced. Maxell alkaline batteries in smoke detectors. About $15 for 48 batteries on Amazon. The smoke detectors are a hassle because they take 3 batteries each and go dead at unpredictable times. What sort of smoke detector takes 3 batteries? Would I be correct in assuming that these are 9...
by protagonist
Wed Jul 02, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1826

Re: Eneloop batteries in smoke detectors

OK....convinced. Maxell alkaline batteries in smoke detectors. About $15 for 48 batteries on Amazon. The smoke detectors are a hassle because they take 3 batteries each and go dead at unpredictable times. Eneloops in things like mice, housesweeping robots (etc). Maxell alkaline batteries in things l...
by protagonist
Tue Jul 01, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1826

Re: Eneloop batteries in smoke detectors

I do get annoying warnings from my smoke detectors, yes.

Will I get those warnings far more frequently with eneloops than with alkaline or Lithium batteries?
by protagonist
Tue Jul 01, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1826

Eneloop batteries in smoke detectors

Good or bad idea?
by protagonist
Tue Jul 01, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1826

Re: Rechargable vs alkaline batteries

I'm going to buy some Eneloops. I have an old cheap Rayovac charger. YOu can leave the batteries in permanently, as I have with my old Rayovac rechargeables that I have had for years. The Rayovacs still work. Quality chargers seem to cost $30-100. I read that old chargers can overcharge the batterie...
by protagonist
Tue Jul 01, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Rechargable vs alkaline batteries
Replies: 33
Views: 2689

Re: How do you afford to travel?

One thing not yet mention is going where the dollar is strong. I figure that overall there will be a rotation of countries with weak currency. Eventually, maybe even the Euro will weaken significantly more and we'll go on holiday there extensively. I'm not sure why people are so concerned about thi...
by protagonist
Mon Jun 30, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6394

Re: New Research why Bogleheads prefer index funds.

Bogleheads: Recent research by the Cass Business School, City University, London, England found: ABSTRACT: This paper compares the two bootstrap methods of Kosowski et al. (2006) and Fama and French (2010) using a new dataset on equity mutual funds in the UK. We find that: the average equity mutual...
by protagonist
Sat Jun 28, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: New Research why Bogleheads prefer index funds.
Replies: 8
Views: 1433

Re: Being Polite.

Travelforfun: Perhaps the greatest benefit of being polite is that it makes you feel better knowing you are a good human being. Best wishes Taylor Yep! Exactly. The object is to make you laugh, and as a result, to want to be a nice person, which will make you laugh even more. Not to save a euro or ...
by protagonist
Sat Jun 28, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6767

Re: How do you afford to travel?

Airfare via credit card promotions....pays for at least one RT to S America and one to Europe per year. I virtually never pay for plane tickets. Hotels....I don't care that much about them. To me the main difference between a 5 star resort and and a cheap motel is the chocolate on your pillow and mo...
by protagonist
Fri Jun 27, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6394

Re: TV show recommendations?

There is a miniseries I saw listed on imdb.com called Band of Brothers that got a user rating on imdb of 9.6 , That would be tied with Breaking Bad (the highest rating of any TV show I have seen listed on imdb), and above Game of Thrones (second place with a rating of 9.5). It is about Easy Company ...
by protagonist
Tue Jun 24, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120329

Re: Suggestions for 1-2 Days in NYC?

I was thinking of going to NYC as well on Thursday. Shakespeare in the Park is performing As You Like It. Question: Does anybody know roughly what the odds are of winning tickets in the Virtual (online) Lottery? I assume slim? Also, for this show on a Thursday, is the likelihood of getting tickets s...
by protagonist
Tue Jun 24, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3415

Re: Help devising winning roulette system

I WON AT ROULETTE! HERE IS HOW: (No, this is not a joke or spoof- this really happened.) After some time at the blackjack table enjoying free drinks and pretending I was James Bond or some such, my companion indicated it was sexy time. Having had a set amount to lose in gambling (I wanted the exper...
by protagonist
Tue Jun 24, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3240

Re: Suggestions for 1-2 Days in NYC?

There are no locals in NYC. Everybody there is from someplace else. Just listen to the chatter on the streets. Rarely will you hear any English. ??????? Maybe at the top of the Empire State Bldg or at the Statue of Liberty this is true. "But according to data from the Furman Center’s State of ...
by protagonist
Tue Jun 24, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3415

Re: Help devising winning roulette system

Indeed gambling and investing have a great deal in common. So many behavioral traps. When you superimpose management fees upon the index, you are giving the house the edge. You might still beat the market, but the odds are against you. WILKED....."Don't knock it till you've tried it" is n...
by protagonist
Tue Jun 24, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3240

Re: Help devising winning roulette system

Your system attempts to violate the basic rules of probability, which is not possible. As with coin tosses, each spin of the wheel is independent. The patterns that you observe have no influence whatsoever on the next spin. That is it in a nutshell. You have described nothing in your strategy that ...
by protagonist
Tue Jun 24, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3240

Re: Suggestions for 1-2 Days in NYC?

LadyGeek wrote:I removed a few off-topic comments related to the September 11 event.

Please stay on-topic, which is suggestions for visiting NYC.


Sorry, Lady Geek. *smile*
by protagonist
Mon Jun 23, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3415

Re: What Book Are You Currently Reading? Part V

My comments are in red, to compensate for my lack of fluidity with the quote function...sorry.... I heard that about Victoria refusing to believe the existence of lesbians, but always chalked that up to urban legend. I imagine extramarital affairs were commonplace since the invention of marriage. I...
by protagonist
Mon Jun 23, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3267
Views: 1113222

Re: What Book Are You Currently Reading? Part V

I heard that about Victoria refusing to believe the existence of lesbians, but always chalked that up to urban legend. I imagine extramarital affairs were commonplace since the invention of marriage. I do recall reading that, during that era, London had approximately one prostitute for every twelve...
by protagonist
Mon Jun 23, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3267
Views: 1113222

Re: Suggestions for 1-2 Days in NYC?

Not enough info about you to suggest what to do. If you only have a day or two, I would concentrate on your interests. If you are mainly an art lover, pick some museum(s) or galleries that interest you. If you are a music lover, go online and find a show you want to see at one of NYC's fine clubs......
by protagonist
Sun Jun 22, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3415

Re: If Harvard invested in Vanguard...

That's interesting about Harvard. Another question about Harvard: I wonder how much risk they take. Perhaps their low returns can at least partly be explained by a low-risk, conservative portfolio. The numbers alone don't mean a lot. Yale, on the other hand, has a reputation for successful managemen...
by protagonist
Sun Jun 22, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5174

Re: I Bonds 5.27% interest

I was checking the rate on I Bonds issued in September 1998. It is a whopping 5.27%! I believe that is when they were first issued. That seems incredible to think of the compounded value of $10,000 today. How many folks have the September 1998 bonds and are you still buying them at the current rate...
by protagonist
Sun Jun 22, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3702
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