Search found 3031 matches

by protagonist
Sun Jul 05, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3593

Re: Best Cell Plan?

The advantages I have experienced with Cricket over the other MVNOs I have tried (H2O Wireless, Airvoice, Straight Talk): 1. An actual storefront about 10 blocks from my gf's apt. in NYC with intelligent and personable geeks who remember my name and rarely keep me waiting (no "taking a number&q...
by protagonist
Sun Jul 05, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 33
Views: 2076

Re: Learning Spanish

Learning is one thing, staying proficient quite another. It's sort of like dieting, if you don't make a lifelong commitment to maintenance, your effort will likely be wasted. The exception would be if your just doing it for a short term goal, traveling to a Spanish speaking country, for example. Ju...
by protagonist
Fri Jul 03, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 17
Views: 3635

Re: My divorce gave me...

Hi, Sunny, and welcome to the forum. I would second the recommendations of mbres and others above....mainly you want to keep things simple. Don't worry about tweaking much- just choose a fairly evenly balanced portfolio between stocks and fixed income depending on your risk tolerance (I prefer long-...
by protagonist
Fri Jul 03, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Will you pay to not have ads?
Replies: 35
Views: 2314

Re: Will you pay to not have ads?

We were watching "Humans" on AMC the other night. That channel has a ridiculous number of ads on it. When I record AMC and skip the ads, the total time for the show shrinks to about 42 minutes. That means 30% of what you are watching is ads. Sheesh. I would much rather pay for HBO and hav...
by protagonist
Fri Jul 03, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 33
Views: 2076

Re: Learning Spanish

There are many great, free podcasts. Try a bunch of them out and decide which best suits your needs (you can google "best Spanish podcasts" or some such thing to get an idea of what is available since the field is constantly changing). I am particular to those involving dialogue or stories...
by protagonist
Fri Jul 03, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 86
Views: 6343

Re: financial adviser told me not to invest too much in 401k

Please do yourself a favor and learn at 29 what I learned when I was almost a decade older than you. DO NOT listen to anything financial advisors (or media giants) tell you. IGNORE them. Or at the very least, be highly skeptical (which you already are since you are here doubting what you heard- so y...
by protagonist
Fri Jul 03, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Are REITs necessary in a portfolio? Why?
Replies: 85
Views: 6051

Re: Are REITs necessary in a portfolio? Why?

I know others will disagree, but I view my home as a major asset and thus an investment. True, there is a high likelihood I will never move, but there is also a good chance I will outlive my financial portfolio as well, and, like my financial portfolio, my equity is security (since I could sell if I...
by protagonist
Thu Jul 02, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3593

Re: Best Cell Plan?

3. People on this site seem sold on the MVNO's. But this thread indicates Cricket coverage is not as good as Consumer Cellular coverage, and indicates many MVNO's do not have data roaming: I've used Verizon, AT+T, and 4 different MVNO's. So far I am happiest with Cricket. Roaming is not much of an ...
by protagonist
Thu Jul 02, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Quebec City Suggestions
Replies: 12
Views: 719

Re: Quebec City Suggestions

I'll be soon visiting Quebec City for three night. I'll be staying in the Marriott in old town. I haven't planned anything else. I'll be traveling with family (elementary school age kids). What would you suggest for things to do? How walkable is the city? I'll be driving so what are good options to...
by protagonist
Thu Jul 02, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 128
Views: 6423

Re: Obsessing towards zero balance on credit card.

I guess if you just auto-pay everything without ever looking at it you could save some time. However, we find fraudulent charges occasionally so that wouldn't be a good idea. JW Autopay does not obviate getting paper statements or fighting fraudulent charges. It just obviates having to write and ma...
by protagonist
Thu Jul 02, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 128
Views: 6423

Re: Obsessing towards zero balance on credit card.

If you choose to have your entire bill paid in full via autopay every month when it is due, you never have to deal with it and never have to worry about paying fees. Just make sure you keep enough money in your account to cover the payments and, at your leisure, check your paper (or online) statemen...
by protagonist
Thu Jul 02, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 1264

Re: Can you simply change the music file structure in iTunes?

Edit: If you want to synch your music with and iphone or Ipad, you are pretty much stuck using Itunes. I synch my Itunes music with an android phone using Isync which lets me bring over selected playlists and keeps the playlist structure. I've found it works very well. Agreed. iSynchr works well. R...
by protagonist
Tue Jun 30, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity promotional offer for moving IRA
Replies: 7
Views: 790

Fidelity promotional offer for moving IRA

I just noticed this on Fido's page. Move your IRA to Fidelity and they will match your contributions up to 10% for 3 years based on the size of your account. Not a huge deal, but it may be of interest to some.
https://rewards.fidelity.com/offers/iramatch
by protagonist
Tue Jun 30, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 1264

Re: Can you simply change the music file structure in iTunes?

Our personal collection of music is 60k- Mr. R. was a DJ (radio) back in college and managed to collect a few full catalogs of CDs from the publishers. The tools to use are Mp3Tag, as Protagonist mentioned, with MusicBrainz Picard. Mp3tag is great to massive bulk updates- such as clearing out comme...
by protagonist
Mon Jun 29, 2015 2:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267014

Re: U.S. stocks in freefall

WHO'S NOT PANICKED??? (btw, why is a "k" added to the word panic in the past tense?) I can answer the second part. Because otherwise the "c" would be pronounced like an "s" . Maybe in another sentury the "c" will be dropped kompletely. The first question is b...
by protagonist
Mon Jun 29, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 1264

Can you simply change the music file structure in iTunes?

I have an online music library of over 10K tunes on my computer that I foolishly allowed iTunes to organize into an iTunes folder years ago when I had an iPhone, and I had no idea how it would do that. It messed with my file system, Prior to that, I had things organized the way I liked them in the m...
by protagonist
Tue Jun 23, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Finding good real estate agent and negotiating commission
Replies: 5
Views: 822

Re: Finding good real estate agent and negotiating commission in S FL

You could always try to list it with Redfin since their commission is lower than the standard 6%...they seemed to be popping up more and more and there probably are real benefits to having them list your property. Does the Redfin model work well for sellers? This is the first I have heard of them.
by protagonist
Mon Jun 22, 2015 10:50 pm
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 124
Views: 17314

Re: LED bulb prices

by protagonist
Mon Jun 22, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Finding good real estate agent and negotiating commission
Replies: 5
Views: 822

Finding good real estate agent and negotiating commission

I want to sell a residential FL condo. Standard real estate agent commissions are 6%. Questions: 1. Can this usually be negotiated, and if so, how open are realtors to accepting a lower commission? (I imagine there is a lot of competition in S FL). 2. If I try negotiating with seller's agents to acc...
by protagonist
Sun Jun 21, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: How much emphasis should I put on car reviews?
Replies: 30
Views: 3348

Re: How much emphasis should I put on car reviews?

The reviews online from random people are mostly positive for this car. I'd say 75% positive, 15% negative and 10% neutral. Of course its the negative ones that seem to weigh more on my mind than the positive ones. Any tips on how to reconcile this? Thanks. I've not read many car reviews, but the p...
by protagonist
Tue Jun 16, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Establishing residency in Florida
Replies: 19
Views: 2642

Re: Establishing residency in Florida

Interesting about the aggressiveness of NY in such situations.

Does anybody have similar information on Massachusetts regarding claiming FL residency?
by protagonist
Tue Jun 16, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Maxmyinterest.com Comment
Replies: 14
Views: 2317

Re: Maxmyinterest.com Comment

With $250K, assuming you don't need it for a year or so, wouldn't you be better off investing in a 5+ year CD with generous EWP rather than a bank account? After the first year or so you would probably come out ahead if you withdrew your money.
by protagonist
Tue Jun 16, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 3938

Re: Comfortable shoes for work

If anybody who has worn SAS shoes ("Time Out" model or similar) has come up with something equally comfy with a better look, I'd love to hear about them. My gf is constantly trying to get me to buy more attractive shoes, but I dig in my heels. I never encountered any that compare with SAS....
by protagonist
Mon Jun 15, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 3938

Re: Comfortable shoes for work

I hate shoes. Next to stress, shoes are the biggest enemy of joy. SAS shoes are the only shoes I wear....these. http://www.amazon.com/SAS-Safety-Time-Out-Walking/dp/B00L1PPT86 I started wearing them at work in the 1990s and have ever since. They were always the shoe of choice among doctors at my hos...
by protagonist
Mon Jun 15, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Maxmyinterest.com Comment
Replies: 14
Views: 2317

Re: Maxmyinterest.com Comment

Try sfgi direct http://www.sfgidirect.com/ Currently 1.06% APY. I have had an account with them for about 5 years. They are always at or near the top of the list re: interest rate. Transferring funds between there and my Fidelity brokerage MM account has always been simple and flawless and happens t...
by protagonist
Mon Jun 15, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 13685

Re: Gifting Money at Parties

Believe me, I'm not thrilled with paying $100 for myself, or $200 if its me and my GF attending. However, I believe that's whats customary (at least at the weddings I've been attending) - maybe slightly above what's customary. If the $100 or $200 would really get me bent out of shape - I would poli...
by protagonist
Mon Jun 15, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 13685

Re: Gifting Money at Parties

I am interested in learning how other bogleheads decide the appropriate dollar amount to gift at celebrations/holidays (HS graduation parties, weddings, birthdays, etc.). Currently, it's the wife and I, our 2 yo and our 5 mo. Unless it is immediate family, we give $50 for weddings, $30 for HS gradu...
by protagonist
Mon Jun 15, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5345

Re: Coffee - just starting out

That brew you mention sounds like a LOT of calories. You could be right. But I am fascinated by timboktoo's interest in this drink. Thus, I elevated the Iceberg into a category of Louisville's attractions. Victoria I have no idea what it is. I am sure that I am not the only one here who looks forwa...
by protagonist
Sun Jun 14, 2015 10:27 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

I'm on the verge of ordering a Chromebook for my spouse. A requirement, however, is the ability to Skype. I find information claiming that Skype can be made to run on a Chromebook, but it sounds awkward and unreliable. Can anyone comment on this? There also seems to be a Google equivalent of Skype....
by protagonist
Sun Jun 14, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5345

Re: Coffee - just starting out

Contrary to popular belief, espresso contains considerably less caffeine than regular American coffee. The caffeine is broken down by the longer roasting process. I used to ONLY like espresso (or similar "strong" fine preps), but recently I have gotten to appreciate drip filtered coffee, v...
by protagonist
Sun Jun 14, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

Thanks Mossy SF - that works. Barefootgirl as you can see from the comments, most people have different reasons for wanting a Chromebook. The main Windows 7 laptop that I use for financial data and remote desktop to work got a malware virus. I did not dare use it for financial data until I had reso...
by protagonist
Sat Jun 13, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is real estate (especially New York City real estate)?
Replies: 26
Views: 3539

Re: How risky is real estate (especially New York City real estate)?

We thought about buying a few years ago, and now most places around us are about double. Your neighborhood might be unique, but according to Case-Shiller, there has not been much of a rebound in NYC real estate. Prices have risen only 15% from the recent trough and are still 15% below peak levels. ...
by protagonist
Sat Jun 13, 2015 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 10595

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Despite the fact that I really liked my work, I always chose "work-life balance" over more money. I retired at 55, and I have no regrets. I could be a lot richer if I chose a different path, but I always chose to work on my own terms and live where I wanted to live. Admittedly not everybod...
by protagonist
Sat Jun 13, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

As for myself, I will try to get by with my Yoga 13 with the dead battery....it still works fine when plugged in Here's a crazy idea. When your girlfriend's Chromebook arrives, set up an account for yourself as well, and then use Chrome's Remote Desktop to connect to your Yoga. Your Yoga will have ...
by protagonist
Sat Jun 13, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

As for myself, I will try to get by with my Yoga 13 with the dead battery....it still works fine when plugged in Here's a crazy idea. When your girlfriend's Chromebook arrives, set up an account for yourself as well, and then use Chrome's Remote Desktop to connect to your Yoga. Your Yoga will have ...
by protagonist
Sat Jun 13, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

Using the mouse vs the touchscreen is not limited Chromebooks. The same preference applies to PCs with touchscreens. I prefer a mouse and use it on both my desktop and my travel lightweight 2-in-1 and I suspect many more users do the same. Actually, at times I combine use of the two on the same pro...
by protagonist
Sat Jun 13, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

Thanks Shadow Dancer. I installed Adblock Plus and Disconntect. HTTPS Everywhere had some review that it was a memory hog. I'm too lazy to use a Password Manager at this stage. As I mentioned I don't travel with my Chromebook but only with my Surface Pro 3. Thanks for the information. Lynette Try G...
by protagonist
Sat Jun 13, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 54
Views: 5170

Re: Best Chromebook 2015

For those interested in purchasing a Chromebook, this is a copy of a post of mine from another thread (I don't know how to specifically reference it here so I am copying and pasting). Perhaps it will be of use to you. "Well, you all convinced me not to buy one for myself...at least not for now....
by protagonist
Sat Jun 13, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

Well, you all convinced me not to buy one for myself...at least not for now....but rather to buy one for my gf (I think...hope... it would be perfect for her, and maybe she will even let me try it. Anyway she will probably love me for it, which is a good thing. Beats roses.) I just ordered her this ...
by protagonist
Sat Jun 13, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

Reading everybody's posts here, it seems like a Chromebook would be a perfect gift for my girlfriend. She has an old clunky Mac desktop (2011?) that takes forever to boot up and an even more ancient iPad. I think I'll get her one for her birthday. Maybe she will even let me use it (laughing). I take...
by protagonist
Fri Jun 12, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

Incidentally, on the whole I think the "One Laptop Per Child" and the XOXO machines were pretty much failures, but I think it's a darned shame because tablets should cost $100, not $300. I'm about to take a $34 gamble to convert my Nook HD+ tablet, which I bought for $80, into a 64 gb And...
by protagonist
Fri Jun 12, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

This conversation has me interested is getting one for traveling. Here is one I found on Best Buy: http://www.bestbuy.com/site/acer-11-6-chromebook-intel-celeron-2gb-memory-16gb-emmc-flash-memory-moonstone-white/8610161.p?id=1219351773817&skuId=8610161 It seems so cheap, I am wondering if it is...
by protagonist
Thu Jun 11, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

5. "Think of it as a browser". Yes, but a Windows machine for similar price or not much more is also a browser....in fact any browser you want....and ALSO a full computer. Any Windows laptop that costs $300 is going to be slow, heavy, full of bloatware, and will run hot. Probably. But not...
by protagonist
Thu Jun 11, 2015 9:57 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

So doom, are you saying it runs Chrome significantly better than a contemporary laptop would with the same internet plan? If so, how so? Because if so that would be a definite selling point, seeing that I, like most of us I suppose, spend the bulk of my computer time on my browser anyway. (By the wa...
by protagonist
Thu Jun 11, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

For me, chromebooks opened me up to living in the cloud. i can store my photos, files, etc. in the cloud. it makes the device pretty much a commodity. as long as the interface hardware (display, keyboard, trackpad) is easy on the eyes and hands, that's all you need. the special things about chromeb...
by protagonist
Thu Jun 11, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: Alternative theories
Replies: 53
Views: 4663

Re: Alternative theories

The best argument I can think of for the Boglehead approach is that it frees up time with friends and family and doing the things you like to do in your spare time instead of pouring over the Wall Street Journal, corporate earning reports, etc. It is easy and your investments take care of themselves...
by protagonist
Thu Jun 11, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Chromebooks- What is the lure?

The best rated Chromebook these days seems to be the Toshiba Chromebook 2 which sells for around $300. People both here and online seem to love Chromebooks. I never owned or used one. Those of you who do own them....what is the lure? They seem to have so many limitations- local storage limitations, ...
by protagonist
Thu Jun 11, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: Alternative theories
Replies: 53
Views: 4663

Re: Alternative theories

I'm not saying I want to chase the white whale of better returns than the S&P, but I would like to at least understand some of the alternative views. Or is it all quackery? I am of the opinion that the only way to identify quackery is to read enough of it so that you develop a critical eye. Nev...
by protagonist
Thu Jun 11, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: Second time Yoga 13 battery died in 1 1/2 years- What to buy?
Replies: 16
Views: 1528

Re: Second time Yoga 13 battery died in 1 1/2 years- What to buy?

One idea.... Dell Inspiron 11 3147: purchase new from Microsoft store for $399 (somebody said it will have much less bloatware than if purchased from Dell). Or refurb version from Dell store for $265. Replace conventional 500 Mb HD with Samsung 850 Evo 250 Gb SSD for $98. If one is to believe youtu...

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