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Re: An alternative to alternative investments [QSPIX]

To me so many people are so focused on expenses that they cannot see value added. That's sad IMO Larry "Value added" when it comes to investment is often so intangible and hard if not impossible to assess objectively. Belief in the ability to assess it is what leads to people investing in...
by protagonist
Tue Nov 25, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 103
Views: 6502

Re: Carrying alternatives for phone, credit cards, money

rixer wrote:
I have a money clip for any cash.



Money clip seems good, but not if you might stick your phone in the same pocket by accident. Then again, I suppose you can just keep it in the pocket with keys. Never tried it.
by protagonist
Tue Nov 25, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 1678

Re: Why finance research is often wrong - the jelly bean pro

Today, Monte Carlo simulation is routinely applied to retirement planning. Except, the underlying probabilities in nuclear physics are well known, and in investing, not so. Also, investing often comes down to predicting the outcome of a single trajectory, not the aggregate. Exactly. With investing ...
by protagonist
Tue Nov 25, 2014 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 71
Views: 5787

Re: An alternative to alternative investments [QSPIX]

Few thoughts First, if you had a long only portfolio you would have $1,000 invested and have loading (or exposure to) of about one half of the factor and expense of 1.5% Here you have $,1000 of long exposure and $1,000 of short giving you a loading of 1 on the factor for the 1.5% expense. Clearly w...
by protagonist
Tue Nov 25, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 103
Views: 6502

Re: Why finance research is often wrong - the jelly bean pro

leerar Completely agree. Which is why for example when I discuss the outcomes of Monte Carlo Simulations I am very careful to explain that the outcomes are just ESTIMATES of the odds of success, not the true odds which we cannot know. It is based on our inputs which are based on the best informatio...
by protagonist
Tue Nov 25, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 71
Views: 5787

Re: Why finance research is often wrong - the jelly bean pro

http://timharford.com/2014/11/finance-and-the-jelly-bean-problem/ has a good explanation for why finance reasearch is often wrong. Imagine a test that determines that a result is meaningful if there's less than a 1 in 20 chance that the results are due to chance and that you test 40 factors. The od...
by protagonist
Tue Nov 25, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 71
Views: 5787

Re: An alternative to alternative investments

Yes $5M, but maybe one could gain access through an advisor by paying an additional wrap fee? Larry: I know that your feelings are that QSPIX is worth 150bp for the factor exposure, but I have my doubts that many of us would find the fund useful. I consider my standard of living to be pretty high, ...
by protagonist
Tue Nov 25, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 103
Views: 6502

Re: Carrying alternatives for phone, credit cards, money

Before I posted this I carried a bulky wallet in my front pocket wherever I went. I also carried keys (only house and car) , cell phone, and on occasion Kindle. I try to avoid wearing anything without tons of pockets (love convertible shorts/pants) and never buy shirts, even t-shirts, without pocket...
by protagonist
Tue Nov 25, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 1678

Re: changing jobs after a decade - risky or exhilirating

Both risky and exhilarating. The relationship between risk and potential reward is probably one of the few universal truths in the universe. It does not only apply to the stock market, but also to employment, dating, sports, cooking, you name it. You are unhappy with your current position. Good luck...
by protagonist
Tue Nov 25, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: changing jobs after a decade - risky or exhilirating
Replies: 4
Views: 278

Re: Vacation in France

2stepsbehind wrote:You guys are hijacking the poor Op's thread. Start a new thread for flyer talk lite


True, sorry. I'll try to delete my posts that are off-topic.
by protagonist
Sun Nov 23, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Carrying alternatives for phone, credit cards, money

I've put my wallet in my front pocket before, but I don't like it there. After decades, I think it will just stay in my back pocket. It probably is time to go through it again to see what can be discarded. I only carry my supermarket loyalty cards. The rest (Staples, Petco, etc.) get put in my phon...
by protagonist
Sun Nov 23, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 1678

Re: Vacation in France

deleted
by protagonist
Sun Nov 23, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

deleted
by protagonist
Sun Nov 23, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

deleted
by protagonist
Sun Nov 23, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Carrying alternatives for phone, credit cards, money

CFM300 wrote:
Fortunately, you didn't ask about gun, knife, flashlight, and other EDC / zombie-defense stuff, which require other creative solutions.


How do you know I am not a zombie with a cell phone who wants to coordinate with other zombies?
by protagonist
Fri Nov 21, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 1678

Carrying alternatives for phone, credit cards, money

I'm looking for an option to carrying my phone in one pocket with my separate bulky wallet and my keys in another pocket. Ideal would be something thin and reasonably priced that would fit my phone (Samsung Galaxy S3) as well as hold a few credit cards, driver's license and cash, that I could stick ...
by protagonist
Fri Nov 21, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 1678

Re: Vacation in France

Hey protagonist, sorry I did not realize that you were the poster who discouraged the weekend travel seminar. (laughing) Don't be. I see your point. Chacun a son gout. Acutally I hope you encourage Victoria. Now she can become the expert and teach us all for free. The reason Flyer Talkers hate the ...
by protagonist
Fri Nov 21, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

And the best part about Ink cards: does not how on your personal credit report, so rinsing and repeating, if you can do it, will have minimum impact on your credit profile. Can you be more specific about this, TP? Do you mean canceling will not affect your credit? I was under the impression that th...
by protagonist
Fri Nov 21, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

Here is some general advice: 1. The best way to accumulate airline points is via sign-up bonuses, when you get a large number of airline points in exchange for initial spend. E.g., there might be a Chase United Card, which offers 55K of sign-up bonus, if you spend $1K or $2k. This is a very good de...
by protagonist
Fri Nov 21, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

While bogleheads is a good forum for investing, especially for retirement, it is not the only game in town. In the last several years, there have been a ton of travel forums which teach strategies on how to travel for less money. They center around a few ideas: - opening a small number of strategic...
by protagonist
Fri Nov 21, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

A weekend with frequent travelers beats a dinner with insurance agents. A weekend in the dentist's chair probably beats a dinner with insurance agents. After attending the FTU, I will have insights for searching the web. Like the ones I gave you? I agree. I don't want to collect every possible doll...
by protagonist
Fri Nov 21, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Extreme Generosity / Limiting Net Worth

Rent+Parking is $42k. Health care (mandatory for school) is $10k - a fairly gold-plated policy with a very high premium for my family. Some significant dental work over the last year has added up to $10k. That leaves us about $30k for other insurance policies, groceries, dates (we do eat out, but r...
by protagonist
Thu Nov 20, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9839

Re: Vacation in France

What other sites do you use? Like wise investing, house cleaning, or most other human pursuits, the basics are really very simple, and certainly good enough for the vast majority of people. You can spend countless hours tweaking the last 5% or so if you are compulsive enough. Here is a link to the ...
by protagonist
Thu Nov 20, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

I am trying to learn how these travel strategies work. When I went to the FlyerTalk site, I found too much information with the useful bits widely dispersed. On an advice from another Boglehead, I signed for Frequent Traveler University in early December. Do you have other suggestions for how to le...
by protagonist
Thu Nov 20, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Cost to furnish a condo

We are thinking about downsizing from a single family home, 3 bedrooms, 3 baths to a 2 bedroom condo. One thought is to take very little if any of the furniture with us. What do you think would be a rough cost of furnishing a 2 bedroom, 2 bath, living room, dining room, kitchen with new stuff....wi...
by protagonist
Thu Nov 20, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2665

Re: Any Bird Experts?

The only birds that hit my window near the feeders are mourning doves - and I think that's just because they're stupid. Probably some other reason. In fact, the reason we can't figure out why the other birds are pecking at the window is probably because we are stupid. Check this out regarding pigeo...
by protagonist
Thu Nov 20, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 1450

Re: Extreme Generosity / Limiting Net Worth

Oh man, if we were staying in the Northeast we would blow through $106k like tissue paper. Our burn rate here is $95k, and we are renters with only one young child right now, taking no vacations and almost never eating out. It's crazy. Just rent and health insurance add up to more than the median i...
by protagonist
Thu Nov 20, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9839

Re: Cost to furnish a condo

We are thinking about downsizing from a single family home, 3 bedrooms, 3 baths to a 2 bedroom condo. One thought is to take very little if any of the furniture with us. What do you think would be a rough cost of furnishing a 2 bedroom, 2 bath, living room, dining room, kitchen with new stuff....wi...
by protagonist
Thu Nov 20, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2665

Re: Any Bird Experts?

I don't think it has as much to do with mating season as perhaps now that the sun is lower in the sky in the winter, window reflections are more likely and more visible to your culprits. Couldn't this theory be easily tested by pulling down shades or closing curtains? I'm skeptical. I have window f...
by protagonist
Thu Nov 20, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 1450

Re: Vacation in France

Thank you everyone with your wonderful responses and great ideas. I was going to reply to individual posts but that will be too much :) I will try to highlight a few suggestions that have been given: ⋅ We will definitely be buying a Paris Museum Pass, as well as a carnet of Metro tickets....
by protagonist
Thu Nov 20, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Vacation in France

I go on cheaper vacations. I visit Paris every summer. I am in France for about a month and don't spend anywhere near $10K in the entire month. I fly for free via frequent flyer miles, easily accumulated via credit card promo offers (you have plenty of time to do this if you are not leaving until mi...
by protagonist
Wed Nov 19, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4989

Re: Extreme Generosity / Limiting Net Worth

I am considering doing this – limiting annual cash spending to double the Median Family Income ($106k in today’s dollars), and limiting net worth to a number in the low single-digit millions. Why not be more ambitious and limit spending to the median family income? That's still five times median gl...
by protagonist
Wed Nov 19, 2014 12:47 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9839

Re: What Movie Have You Recently Watched?

Interstellar. It was as bad as Gravity, and nearly twice as long. Three hours of nonsensical melodrama in space. My friend was so bored that she went out twice in the middle of the movie to watch another movie. Both times, when she returned and asked what she missed, I couldn't come up with an answe...
by protagonist
Tue Nov 18, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18031

Re: Lenovo vs Surface Pro 3

If it's between the two--and working with it in your lap is a must--I'd go with one of the Yogas. From a sample of one, I believe Lenovo is not what it used to be. My IBM/Lenovo ThinkPad that I bought in 2005 is still working, with its original battery. By contrast, my Yoga 13, barely off warranty ...
by protagonist
Tue Nov 18, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1571

Re: Extreme Generosity / Limiting Net Worth

Since giving is obviously very important to you, I would reccomend you give 10% of your income every year, save 25% of your income every year, and reduce your lifestyle to live on the remainder. When your net worth hits 7 digits, you can re-evaluate your situation. I think this is excellent advice....
by protagonist
Tue Nov 18, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9839

Re: Extreme Generosity / Limiting Net Worth

It's one thing for you to give generously while making hundreds of thousands of dollars a year, quite another for you to be shocked that all of the Americans who make FAR less than you don't feel like they can afford to give to charity (50% of them make less than $50k a year after all). Yet in anot...
by protagonist
Tue Nov 18, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9839

Re: 10% off Target GiftCards - Black Friday Preview

Eh if it's online I may look into it . but I barely shop at Target. But there's no way in Hell that I am going to frequent any store that is open on Thanksgiving. Shame on stores who are disrupting a family holiday and forcing people to work on Thanksgiving. I do shop at Target, yet I wholly agree ...
by protagonist
Mon Nov 17, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 14
Views: 2337

Re: Extreme Generosity / Limiting Net Worth

The MAIN argument not to give it all away each year is as stated above: What IF your own family unexpectedly and desperately needed a significant amount of money due to accident or illness, with long term needs - including the main income earner? Don't downplay that possibility... RM The OP stated ...
by protagonist
Mon Nov 17, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9839

129 cars

Anybody in the market to buy a car might find this NPR "This American Life" episode illuminating:
http://www.thisamericanlife.org/radio-a ... 3/129-cars
by protagonist
Mon Nov 17, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: 129 cars
Replies: 3
Views: 1430

Re: Boglehead Beer

Currently drinking a Troegs Mad Elf (PA - Dark Belgian Ale), which is my favorite Winter seasonal. It's not cheap -- at about $56 a case -- but considering it's double the potency of most regular beers (11%), that works out to the equivalent of a $28 case. My usual cheapies are PBR and Miller High ...
by protagonist
Fri Nov 14, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 407
Views: 52593

Re: My DISH tv bill just keeps going up and up

What to do? Ever few months it increases. I have everything...$152/ month Top 250 $80 HBO, Max, Starz, Sho. $47 Epix, etc. $10 Equip Ins. $ 8 DVR $ 7 Is anybody else irritated by this? Just a matter of time, going to be 200 bucks a month. :oops: What to do? Greedy corporate bastards.... :moneybag D...
by protagonist
Fri Nov 14, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4465

Re: Boglehead Beer

Drink good beer, Just drink less of it. That's my approach to most things, not only beer. I don't know a lot about beer. Yesterday I bought a bottle of St Peter's Porter for $3.99 because I liked the look of the bottle. I haven't tried it yet so I have no idea if it is as good as its bottle would su...
by protagonist
Fri Nov 14, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 407
Views: 52593

Re: New car purchase- "documentation fee" and "registration

Consumer Reports will supposedly give you a complete breakdown of what a dealer pays for a car for $14. If this is a true number, including dealer holdback and other such things, (hard to find via other sources), I think it would probably be a good thing to know, especially in final negotiations. He...
by protagonist
Thu Nov 13, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2591

Re: "You're invited to...." (nonsense talk and dinner)

Actually,I saw a facebook post from VG that they soon will be having an "Online Store" which will have those items for sale. :( Say it ain't so. Location: The terrestrial, globular, planetary hunk of matter, flattened at the poles, is my abode.--O. Henry I remember reading some O. Henry s...
by protagonist
Thu Nov 13, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9366

Re: New car purchase- "documentation fee" and "registration

...but would also like to know how Missouri handles it. One story I've heard is that you don't have to pay local tax at all if you purchase as a non-resident in Missouri, but I can't verify that with an online search. For this kind of info, better not to contact the dealer, but rather, the state. M...
by protagonist
Thu Nov 13, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2591

Re: New car purchase- "documentation fee" and "registration

The location of each dealership determines the total tax, which is usually comprised of the state tax + county tax + local/city tax. I'm sure this is dependent on geography, but in our area vehicle taxes are handled at registration time. For example, NH doesn't have a sales tax but Mass and Maine d...
by protagonist
Wed Nov 12, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2591

Re: History of American mortgages

According to that article (which I only skimmed), in the past they were much shorter, and historically they were re-negotiated annually. Down payments were much larger.

If you are interested in details, check out the link.
by protagonist
Tue Nov 11, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1215

History of American mortgages

An interesting fact: "The focus on the changing mortgage market is due to the startling fact that between 1949 and the turn of the twenty-first century, mortgage debt relative to total income of the average household rose from 20% to 73%, and from 15% to 41% relative to total household assets.&...
by protagonist
Tue Nov 11, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1215

Re: New car purchase- "documentation fee" and "registration

It's also important to include a VIN and a listing of exact options in offer emails. For best results, get educated on decoding option codes. You can get the VIN and options by checking inventory on the dealer's website. This helps avoid the trick where they say "oh, the vehicle we gave you th...
by protagonist
Mon Nov 10, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2591

Re: Traders Millions By the minute

I'm not an index investor because I have a religious belief in efficient markets hypothesis. I have no idea how efficient markets are. I would argue that the "theorists" don't either, and that it is not even a real "hypothesis" since it is virtually untestable via scientific meth...
by protagonist
Mon Nov 10, 2014 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Traders Millions By the minute
Replies: 44
Views: 5398
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