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Re: Oneplus One phone- experience?

If it weren't the size of a surfboard, I'd buy one immediately. I refuse to sustain a groin injury from carrying a smartphone in my pants pocket. :oops: I thought the same, but I found somebody with a 1+1 with a fairly substantial bumper attached and stuck his phone in my pants pocket to test ....I...
by protagonist
Mon Mar 23, 2015 11:00 am
 
Forum: Personal Consumer Issues
Topic: Oneplus One phone- experience?
Replies: 19
Views: 1751

Re: What won't you pay with Credit Card?

deleted
by protagonist
Sun Mar 22, 2015 6:43 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8287

Re: Oneplus One phone- experience?

harrychan wrote:The One+ one fits in pant pockets fine. I actually have a hard time finding a good place to secure the phone in my car.


When all else fails, consider Velcro.
by protagonist
Sun Mar 22, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Oneplus One phone- experience?
Replies: 19
Views: 1751

Re: Where to retire in New England?

Lifelong resident here- I dream of a small bustling town on the water for retirement- somewhere I can get an old house, walk to town, eat at a good restaurant, buy nice coffee, walk my errands and still see the boats and get to a quiet beach. I've identified Portsmouth (young and vibrant), Newburyp...
by protagonist
Sat Mar 21, 2015 8:06 am
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7523

Re: Serve and credit card loads

As of April 16, you can no longer use credit cards to load Serve, except that Amex is still permitted to be used. :( I saw an email about this but did not follow up. Do you know if this applies only to Serve or also to REDcard? (I have temporarily suspended accumulation of credit cards and point ea...
by protagonist
Sat Mar 21, 2015 7:34 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16789

Re: TradingPlaces' advice on travel awards

I received the Chase Ink Bold sometime in 2013....I'm not sure when since I cancelled it but I think around autumn 2014. I got Chase Ink Plus in 5/14. ... ps...of the Chase cards, I plan to renew the Sapphire and the Freedom , cancel the Ink cards. protagonist, Have you already canceled your Chase ...
by protagonist
Sat Mar 21, 2015 7:29 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16789

Re: What won't you pay with Credit Card?

Waitstaff always prefer that you pay their tips in cash. The reason is twofold.....it's harder for their employers to cheat them (very common), and it allows them to under-report their income to the IRS . So if I like them and have the cash on me I often leave them cash. Otherwise, I pay for everyth...
by protagonist
Fri Mar 20, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8287

Re: Best home internet plan for New York City

I'm trying to convince my friend to cut the TV cable cord. When I looked up Verizon service for her address the only thing I could come up with was pathetic...1-3Mbps. It did not list FIOS capability. And Comcast is also not available here. I was astounded....after all, she lives in Manhattan- I fig...
by protagonist
Thu Mar 19, 2015 11:01 am
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 832

Re: Best home internet plan for New York City

Do you just want Internet? TV? Landline? The best package will depend on your needs. I have a landline and DSL for Internet from Verizon for about $98/month. I use my laptop for surfing and Netflix, etc. No TV. The speed is fine for my usage. Just internet, unless we can find a TV combo promotion t...
by protagonist
Wed Mar 18, 2015 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 832

Re: 15 yr cd, would you?

Based on this thread , Navy Federal Credit Union, pays 2.25% + 0.5% = 2.75% for a 7-year CD. Victoria They also offer a "special" 30 month certificate at 2.25%, min. deposit 10k, no max. I don't know if the .5% coupon is available for this offer, but if it is, and if EWP is generous, that...
by protagonist
Wed Mar 18, 2015 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 yr cd, would you?
Replies: 17
Views: 2034

Re: Is a larger home downpayment worth it?

For first time homebuyer, is it better to put down 30% down with 3.75% or 20% down with 3.875% with 30 year fixed? It seems that if the additional 10% downpayment is instead invested at a risk-free 4.75%, then the two options would be equivalent over 30 years. If this is the case the 20% down + mut...
by protagonist
Wed Mar 18, 2015 9:33 am
 
Forum: Personal Consumer Issues
Topic: Is a larger home downpayment worth it?
Replies: 18
Views: 2356

Best home internet plan for New York City

Any recommendations?
by protagonist
Tue Mar 17, 2015 10:51 am
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 832

Re: TaxAct was solid, I'd recommend it and was $21 Fed+state

Does the $21 version include investments (dividend and capital gains info) and real estate rentals? It handles dividends and capital gains for sure as I have that. I do not have real estate rentals. Here's a link to taxact deluxe. On the left side of the page is a button for Forms and Schedules. ht...
by protagonist
Tue Mar 17, 2015 9:41 am
 
Forum: Personal Consumer Issues
Topic: TaxAct was solid, I'd recommend it and was $21 Fed+state
Replies: 8
Views: 1329

Re: Homeowners Insurance Issues

Looks cheap to me, but I experience hurricanes routinely. My FL property is worth little more than $100K, they make me insure it for $145K, and bare-bones (minimal possible) insurance with hurricane coverage and huge deductibles runs about $1000/yr. By contrast, my MA home is insured for about $400...
by protagonist
Tue Mar 17, 2015 8:33 am
 
Forum: Personal Consumer Issues
Topic: Homeowners Insurance Issues
Replies: 9
Views: 1261

Re: TaxAct was solid, I'd recommend it and was $21 Fed+state

Does the $21 version include investments (dividend and capital gains info) and real estate rentals? I switched from TurboTax (user for at least a decade) to HR Block this year because I was upset that TurboTax would not let me access my prior returns unless I bought the current version- I don't want...
by protagonist
Tue Mar 17, 2015 8:28 am
 
Forum: Personal Consumer Issues
Topic: TaxAct was solid, I'd recommend it and was $21 Fed+state
Replies: 8
Views: 1329

Re: What internet speed is fast enough?

HongKonger wrote:Wow - hadn't thought to run a test since I moved. Got 30/20 - not bad for the middle of a tiny village miles from anywhere in the middle of the poorest country in Europe. I pay US$10 per month for the pleasure too.


Albania??? (curious)
by protagonist
Tue Mar 17, 2015 8:15 am
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4413

Re: One Level or Two Level House

If you can afford either home easily, it should come down to which style you personally prefer, not which is cheaper to maintain, since your home should make you happy. I doubt that the difference in efficiency based on style would be THAT great- square footage is much more critical . Insulation, wi...
by protagonist
Tue Mar 17, 2015 8:05 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5628

Re: Tourists in Manhattan

My wife and I are going to be tourists in Manhattan for a week, in May. We are not New Yorkers and have not been in New York City since 1971. We eat just about everything. Like jazz, broadway musicals, museums, architecture. We are in our 60’s but we still can walk a mile or two. Our budget allows ...
by protagonist
Mon Mar 16, 2015 8:37 am
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4496

Re: Where to retire in New England?

I love four seasons but please note: New England, serious New England, has ten. Count 'em: winter, ice out (AKA sugaring), mud, spring, black fly, summer, leaf peeper, Indian summer, fall, deer. I may have ignorantly reversed Indian summer and fall. A native New Jerseyan, a long time Californian, I...
by protagonist
Mon Mar 16, 2015 8:25 am
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7523

Re: Where to retire in New England?

Yes, it's a serious question. New Englanders seem sane to me. Are they relatively nice and welcoming to newcomers from the Midwest and west coast? New Englander speaking here. The more I get around, the more I realize that people are people. It all boils down to DNA, which is almost the same wherev...
by protagonist
Sun Mar 15, 2015 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7523

Re: Ice Dams - now what?

I had the same issue this year in MA...leaky roof due to ice dam. I have a slate roof (house built in 1885). First time I had this problem since I bought the house in 2009 (horrible winter this year). Roofer said it might not happen again for 50 years or could be a chronic problem. Installing metal ...
by protagonist
Sun Mar 15, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4378

Re: Oneplus One phone- experience?

Thanks so far for the responses.....seems like people are quite happy with this phone. Any comments from those who switched from other flagship, higher-priced phones as to how it compares overall? Also, I assume that this phone will barely fit into pants pockets and not into shirt pockets, correct??...
by protagonist
Sat Mar 14, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Oneplus One phone- experience?
Replies: 19
Views: 1751

Re: Bogleheads 2015 Hedge Fund Contest

Did my fund not make it on the board this year? (sigh....)

Wonder what went wrong (SEC investigation notwithstanding....)
by protagonist
Fri Mar 13, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 139
Views: 13253

Oneplus One phone- experience?

I am thinking of buying a Oneplus One to replace my Samsung Galaxy S3. If anybody here had experience with this phone please share. I am interested in how people feel it compares with the Samsung Galaxy, iPhone, and other premium phones. I learned about the phone via a few pioneers on this forum las...
by protagonist
Fri Mar 13, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Oneplus One phone- experience?
Replies: 19
Views: 1751

Re: TradingPlaces' advice on travel awards

A low level domestic round trip should be 25,000. It looks like you may be trying to redeem during a peak period. In any event, I would NOT advise such a redemption. How much are flights between DC and Nashville? Ideally, you want your miles getting at least 1.3 cents in value. One tends to get bet...
by protagonist
Tue Feb 24, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16789

Re: What Book Are You Currently Reading? Part VI

Even if the quality of food does not improve, when people face fewer options they are more likely to get engaged. This is quintessential behavioral economics, in contrast with standard economics where having more choices is always better. One of the most important related findings is that when a 40...
by protagonist
Mon Feb 23, 2015 6:46 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 576
Views: 79631

Re: What Book Are You Currently Reading? Part VI

The Paradox of Choice , by Barry Schwartz - examines how we make decisions and the distress that can result when confronted with an abundance of choices. Restaurants sometimes find that their business improves when they thin their menu down. Seems counter-intuitive but it is true. Not counterintuit...
by protagonist
Sun Feb 22, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 576
Views: 79631

Re: Music / Song Help

Is this the sort of thing you are looking for? Only peripherally music (comes in at the end), but similar in a way to Alice's Restaurant or Jaime Brockett. Lord Buckley, The Nazz. https://www.youtube.com/watch?v=U0x5x8lyON8
by protagonist
Sun Feb 22, 2015 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2372

Re: Read WSJ every day ?

Do most Bogleheads read the Wall Street Journal every day to keep well informed concerning personal finance ? Why would a "Boglehead" have to keep well informed concerning personal finance?? (laughing...) I stopped reading the WSJ when I quit stock picking in the late 1990s. It's far from...
by protagonist
Sun Feb 22, 2015 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 101
Views: 6860

Re: What Book Are You Currently Reading? Part VI

the cultural distance between 1850 and 1900 or so. I think it must be much larger than the distances between 1900 and 2015. 1800-1850 even more! Imagine the hapless fellow who falls into a coma in 1800 and awakens in 1850! Civilization in 1800 operated upon the same basic principles that it had for...
by protagonist
Sun Feb 22, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 576
Views: 79631

Re: ? present value of soc sec and pension

Rodc wrote:Go to an insurance site. Find an insurance product that is close to each option. Get a quote.

with a COLA on first $18,000 of up to 3% based on 50% of the CPI


Are you in MA?


I'm curious why you asked this, Rodc. Are MA residents in some sort of unique situation?
by protagonist
Sun Feb 22, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: ? present value of soc sec and pension
Replies: 37
Views: 3013

Re: Risk of Rebalancing

There is always the risk that a market will drop and not come back for a long time. Japan is often seen as an example. Emerging markets have been down from their highs for 7+ years. You just have to estimate what the probability of something like that happening. There are those who have decided not...
by protagonist
Sun Feb 22, 2015 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3931

Re: Preparing for 2 months incommunicado

6. If there is a credit card fraud and my balance exceeds the minimum payment, I will pay the charges and try to resolve it when I return. Victoria Over the years I have had at least a good handful of fraudulent charges on credit cards, both with and without my card getting stolen. As soon as you f...
by protagonist
Sat Feb 21, 2015 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Preparing for 2 months incommunicado

6. If there is a credit card fraud and my balance exceeds the minimum payment, I will pay the charges and try to resolve it when I return. Victoria Over the years I have had at least a good handful of fraudulent charges on credit cards, both with and without my card getting stolen. As soon as you f...
by protagonist
Sat Feb 21, 2015 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Good Modern Science Fiction

Does a TV series count? "Black Mirror" from the UK - outstanding extrapolations of current technologies and policies to the near future. I would classify it as dystopian science fiction. It's now on Netflix. Caution: I ended up staying up most of the night watching back-to-back episodes. ...
by protagonist
Fri Feb 20, 2015 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 155
Views: 9039

Re: Advice dealing with heating contractor please

I see a potential class-action lawsuit. This sounds like a crap company, excuse my French. Edited to add: This review from Amazon is illuminating. http://www.amazon.com/Triangle-Tube-PS250-Prestige-Natural/product-reviews/B00B1MA8R6 UPDATE 9/20/14: The boiler broke down again last spring and has re...
by protagonist
Fri Feb 20, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: Advice dealing with heating contractor please
Replies: 8
Views: 695

Re: TradingPlaces' advice on travel awards

After Louisville, I will be flying to Berlin. Is there any way to fly WAS-SDF via TXL {lauphing} Victoria And no, you aren't ready for TXL routings :) Enjoy! Now that my flights to Spain are purchased, I am looking at my other planned international travel in 2015. It includes: - 10-16 Aug in Berlin...
by protagonist
Thu Feb 19, 2015 4:22 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16789

Re: TradingPlaces' advice on travel awards

US Air cards with 50,000 miles are still available. I received an offer in the mail this week and signed up today. And I do have a question: how long do you need to keep these cards before you cancel and are still able to keep the ff miles? Each airline or company has its own rules, which they will...
by protagonist
Thu Feb 19, 2015 4:18 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16789

Advice dealing with heating contractor please

About 4-5 years ago I had a Triangle Tube Prestige condensing boiler installed in my home by the only local heating contractor who handles Triangle Tube, to replace my old oil based heating system. From everything I have read, Triangle Tube is a respected company that makes a good product . Without ...
by protagonist
Thu Feb 19, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Advice dealing with heating contractor please
Replies: 8
Views: 695

Re: TradingPlaces' advice on travel awards

I see that several bloggers are pitching the Chase Sapphire Preferred card, but I am leery about following their suggestions because I know they receive kickbacks from the CC companies. The Chase UR cards are valuable because of their flexibility (points can be transferred to several programs 1:1),...
by protagonist
Wed Feb 18, 2015 7:37 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16789

Re: What Book Are You Currently Reading? Part VI

Pattern Recognition by William Gibson.

I haven't gotten very far, but so far it is slow to capture my interest, despite good writing style. Not like Neuromancer. I'm going to try a little longer.
by protagonist
Tue Feb 17, 2015 9:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 576
Views: 79631

Re: Preparing for 2 months incommunicado

I don't understand.....you're not really incommunicado if you plan to use internet cafes, etc. or is that just the incorrect assumption of others replying? And having a digital camera...well, yes it's an electronic device but not in the same category as a phone or laptop. I guess it fits into your ...
by protagonist
Tue Feb 17, 2015 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Recommend a movie for a lonely Boglehead on Valentine's

VictoriaF wrote:A contrarian approach is to watch anti-romantic movies, like Kramer versus Kramer or The War of the Roses.

Victoria


Or Thelma and Louise. Great film....
by protagonist
Tue Feb 17, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4699

Re: Preparing for 2 months incommunicado

I don't worry about credit card fraud. It has happened to me a few times, but it is the bank's problem, not mine. I've always been completely reimbursed. It is a bit of a hassle and a bit of paperwork, but the rare inconvenience is not, to me, worth protecting against.
by protagonist
Tue Feb 17, 2015 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Preparing for 2 months incommunicado

deleted
by protagonist
Tue Feb 17, 2015 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Preparing for 2 months incommunicado

deleted
by protagonist
Tue Feb 17, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Recommend a movie for a lonely Boglehead on Valentine's

So, Bogleheads are smart and financially savvy by definition and now romantic to boot? Somebody please create Bdate.com (dating site for Bogleheads) so that I can join and claim one of my own. :) Just don't expect much of an engagement ring. :D :D :D :D :D Maybe you can get one to match the tungste...
by protagonist
Tue Feb 17, 2015 11:33 am
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4699

Re: Preparing for 2 months incommunicado

Thank you for the suggestion, protagonist. An important difference is that you need to protect your knickers only for the duration of the transition from the US to Venezuela, whereas I will have to watch mine for several weeks of spending nights with strangers. As long as the strangers do not have ...
by protagonist
Tue Feb 17, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Mental games

Anyone have recommendations for "mental game" in order to improve memory and other mental functions? I took a test drive at Luminosity.com. Has anyone here used it and what are your thoughts? Are there any other such websites that are free? Ed Take up a new musical instrument. Or a really...
by protagonist
Tue Feb 17, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2621

Re: Recommend a movie for a lonely Boglehead on Valentine's

Shald wrote:So, Bogleheads are smart and financially savvy by definition and now romantic to boot?

Somebody please create Bdate.com (dating site for Bogleheads) so that I can join and claim one of my own. :)


Just don't expect much of an engagement ring.
by protagonist
Tue Feb 17, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4699
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