Search found 3068 matches

by protagonist
Fri Jul 31, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 17
Views: 1163

Re: real estate in NYC

Hi all, Trying to decide when to take the plunge and buy our first apartment in Manhattan. We currently have a great situation--living in a subsidized 2BR for $2900/month. We would stay here, but unfortunately the school zoned for our address is terrible, and our son will be starting school soon. A...
by protagonist
Fri Jul 31, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 209
Views: 8368

Re: Are equities really as risky as anyone thinks?

My solution: Gamble only as much in the stock market as I can afford to lose without risk of significant misery, and hope the unpredictable future mirrors the relatively recent past. Keep the rest in vehicles that will hopefully at least keep up with inflation and do so with minimal risk (CDs curre...
by protagonist
Fri Jul 31, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 49
Views: 3680

Re: Priorities

Would you have done anything differently after having this experience? That's a good question, sqrt. I need to think about it. On a superficial level, I probably would have paid more attention to things like what I ate, sleep, etc, rather than just assuming that I was youthful and invincible and th...
by protagonist
Fri Jul 31, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 49
Views: 3680

Re: Priorities

thank you for sharing your story. I started listening to country music about ten years ago. I still recall one of the first songs I heard, "Live like your were dying". In a way this could be a wake up that may transform your life. Your point about obsession is a good one. It really plays ...
by protagonist
Thu Jul 30, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 209
Views: 8368

Re: Are equities really as risky as anyone thinks?

Again, estimating expected return is not 'predicting' anything. It's trying to assess what the middle of the distribution of future outcomes might be. I have heard this argument before on this forum. This amounts to what George Orwell referred to in Animal Farm as "Newspeak". If you assum...
by protagonist
Thu Jul 30, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 209
Views: 8368

Re: Are equities really as risky as anyone thinks?

Yes, it's very unlikely that the Great Depression II will happen On what do you base this conclusion? Were the Thirties the only Great Depression in history? To call it Great Depression I implies that nothing like that had ever happened in the history of civilization. Our history as a nation is sho...
by protagonist
Thu Jul 30, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 49
Views: 3680

Re: Priorities

Thanks to all of you for your kind support. (smile)
by protagonist
Thu Jul 30, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 49
Views: 3680

Re: Priorities

Thanks for sharing. I am curious what you meant by this: (By American standards, I have always been under-insured. I figured that the chances of my kids inheriting more money was greater that way, and I am pretty sure I was right.) I only carry necessary insurance to cover potential calamities that...
by protagonist
Thu Jul 30, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in a few days
Replies: 28
Views: 3010

Re: Retiring in a few days

Retiring from my full time position in a few days. I am excited. Thank you to all the Bogleheads forum members for contributing to this site. Reading posts over the last couple of years has given me the confidence to make the jump, at age 50. Worked and studied very hard nearly all my life. Exhaust...
by protagonist
Thu Jul 30, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 209
Views: 8368

Re: Are equities really as risky as anyone thinks?

How old are you? Have you been through a 50% decline that resulted in years of lost earnings? No but I have access to data, giving me access to experiences before my birth. . Nobody has a clue how risky equities are. 1. The "experiences before your birth" all happened during a wholly rema...
by protagonist
Thu Jul 30, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 49
Views: 3680

Re: Priorities

Good post, Protagonist. One thing you did not mention is genetics, which exerts a huge influence on this sort of thing. One can live a very healthy lifestyle but this doesn't guarantee that one will live into their 90's. I have no family history of heart disease, but yeah, there must be something i...
by protagonist
Thu Jul 30, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 49
Views: 3680

Priorities

I'm 63. Last week I had a heart attack on the way to the airport to play music abroad. I'm 6'1" and I weigh 162. I workout regularly (rode 30 miles on my bike the day before the incident). My blood pressure has never been above 110/70. My total cholesterol is 190 with a high HDL fraction, which...
by protagonist
Sat Jul 18, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3014

Re: Credit Score Question - Credit Cards

I don't think I spend more than an hour a month tops working on it. Probably less. But at first it takes a bit of time learning the ropes (hours, not days). It's sort of like Boglehead investing in that regard I suppose. I have just spent an hour booking an award flight to Europe for the Spring of ...
by protagonist
Wed Jul 15, 2015 11:38 pm
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2333

Re: Visiting New York in early November

Bogleheads, We visited New York City a couple of years ago in the winter time. During the early evening, while we walked in Times Square, s small amount of snow began to fall. Watching the snow fall with all the lights and activity, it truly was a magnificent picture. Always a great time visiting. ...
by protagonist
Wed Jul 15, 2015 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3014

Re: Credit Score Question - Credit Cards

Slightly off topic but maybe you are the person to ask: I just got a Chase Sapphire card with 45000 "Ultimate Rewards" points. I am not an "international traveler", but suppose I would consider buying such a ticket for a family member. What's the best use of these points? Or eve...
by protagonist
Wed Jul 15, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3014

Re: Credit Score Question - Credit Cards

The upside is that I fly to Europe and S America every year, sometimes stay in luxury hotels, and never pay for any of it. I haven't bought a plane ticket in at least a decade. Just at how much work and how complicated it it to do this? I read about people like you on different sites but wonder how...
by protagonist
Wed Jul 15, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

If Bogleheads ever bans me (and at times I think they are close), I'll gain another half hour or so. Think of what that could do for my saxophone skills. If the saxophone ever bans you, you'll gain several hours to post in Bogleheads. Victoria What a relief. (It is much more likely that I would be ...
by protagonist
Wed Jul 15, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

VictoriaF wrote:
protagonist wrote:If Bogleheads ever bans me (and at times I think they are close), I'll gain another half hour or so. Think of what that could do for my saxophone skills.


If the saxophone ever bans you, you'll gain several hours to post in Bogleheads.

Victoria


What a relief.
by protagonist
Wed Jul 15, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3014

Re: Credit Score Question - Credit Cards

I currently have just one credit card to my name and due to the nature of my work (consulting), I am able to log a lot of travel expenses on it. However, this is causing my credit utilization rate to creep upwards of 20%. I was wondering if it is better for your credit score, to have multiple credi...
by protagonist
Wed Jul 15, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

(2) An unwanted browser plugin/helper that's Facebook-specific, possibly a trojan'd "update" for a legit one (some ad-blocking plugins are getting bought out by criminals who do this) Thank you for the thorough response, m. I agree with everything you said. This item (#2) is particularly ...
by protagonist
Tue Jul 14, 2015 11:48 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

(2) An unwanted browser plugin/helper that's Facebook-specific, possibly a trojan'd "update" for a legit one (some ad-blocking plugins are getting bought out by criminals who do this) Thank you for the thorough response, m. I agree with everything you said. This item (#2) is particularly ...
by protagonist
Tue Jul 14, 2015 8:39 pm
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2333

Re: Visiting New York in early November

I will be in NYC for a few days, and on Saturday night, 12 September, my schedule will be tight. How much time should I allocate for getting from Hunter College (Park Ave and 68th St) to (12th Ave and 34th St). I want to take Metro (line 4 or 6) from Hunter College to (Park Ave and 33rd St) and the...
by protagonist
Tue Jul 14, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

Pajamas wrote:[
If that happened to me, I would run a check with software I trust.



As I stated, I did this, and my machine came out clean. Though possible, I think the chances that ESET picked up actual malware on my computer that was missed by both Malwarebytes and Bitdefender is quite low.
by protagonist
Tue Jul 14, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

(2) An unwanted browser plugin/helper that's Facebook-specific, possibly a trojan'd "update" for a legit one (some ad-blocking plugins are getting bought out by criminals who do this) Thank you for the thorough response, m. I agree with everything you said. This item (#2) is particularly ...
by protagonist
Mon Jul 13, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3014

Re: Credit Score Question - Credit Cards

Thanks for the reply. A couple follow-up questions: - What is the consensus on getting a card with the same bank? I currently have the Chase Sapphire Preferred and like it a lot. - So if Chase, what is another good rewards card they offer? If not Chase, then what are some other good ones out there?...
by protagonist
Mon Jul 13, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's lining up to be the next big bubble?
Replies: 34
Views: 2862

Re: What's lining up to be the next big bubble?

Indeed. Right now the financial media is in doom overdrive. Kinda the opposite of a bubble. This has really been the 'most hated recovery'. The difference is that there have been an unprecedented number of bubbles that have inflated and burst within the last 25 years or so.... The Japanese market b...
by protagonist
Mon Jul 13, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What's lining up to be the next big bubble?
Replies: 34
Views: 2862

Re: What's lining up to be the next big bubble?

30% Decline Scary? 30% Decline=Opportunity :happy I took such an "opportunity" when the NASDAQ dropped from over 5000 to around 3500 (was that 1999? 2000?) As of about 2 years ago it was still down around 40% from it's peak having never recovered (around 2008-9 I think it was down around ...
by protagonist
Mon Jul 13, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Re: Facebook's malware scan- legitimate or malware? Invasive?

I tried removing cookies and used CCleaner. As I mentioned in my post, neither Malwarebytes nor Bitdefender found any malware or viruses on my computer. Facebook still insists on my doing a scan via their online link with ESET. Yes, I know ESET is a well-regarded and legitimate program. But Bitdefen...
by protagonist
Sat Jul 11, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2715

Facebook's malware scan- legitimate or malware? Invasive?

I tried logging into my Facebook account and got this message: "Your Computer Needs to Be Cleaned It looks like your computer is being affected by malware. We’ll help you fix the problem to keep your account secure and prevent malware from spreading to friends. Malware is software that tries to...
by protagonist
Thu Jul 09, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2333

Re: Visiting New York in early November

Dude! Great post! I am going to check out many of your recs. thanks. Ky Cool. It was less work than you imagined. I keep a running list for friends visiting NYC (not to mention myself). If they don't work for you, please don't shoot the messenger. Brooklyn is worth more exploring- I am not as famil...
by protagonist
Thu Jul 09, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: my half time review of 2015's sure things
Replies: 7
Views: 1693

Re: my half time review of 2015's sure things

Toons wrote:I have always liked what Peter Lynch said:
“If you spend more than 13 minutes analyzing economic and market forecasts, you've wasted 10 minutes." :sharebeer


Not 13?
by protagonist
Thu Jul 09, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3121

Re: What antivirus software?

I am currently using Bitdefender Free with Malwarebytes Free and they seem to work well. I like that Bitdefender is resource-light and works completely behind the scenes. I don't know that the paid antivirus systems are any better than Bitdefender, AVG Free or Avast Free..... reviews and tests that ...
by protagonist
Thu Jul 09, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 7584

Re: Suze Orman Show Summary

On the two occasions when I checked Suze Orman out, she came across as familiar and condescending. For me, this disqualifies her as a good public speaker. That depends on how you define "good public speaker". "Familiar and condescending" seems to work well in advertising, and ce...
by protagonist
Thu Jul 09, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2333

Re: Visiting New York in early November

First, watch Johnny T. He makes some good points. https://www.youtube.com/watch?v=8LmPBPWHJu4 Book of Mormon is fantastic. Hopefully you have short legs....the seating is really tight at $200/pop. Jazz clubs (I play jazz).....I tend to steer away from the more famous ones, though the Vanguard is sti...
by protagonist
Thu Jul 09, 2015 9:14 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6708

Re: "Vanguard's recommended international allocation."

It's all guesswork. The future, especially long-term, is uncertain. We can't even reasonably guess if international will outperform or underperform US over a one year period, no less a lifetime of investing. If we could we would all be rich, moving our money back and forth. Vanguard's guess, your gu...
by protagonist
Mon Jul 06, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 20
Views: 5457

Re: My divorce gave me...

One thing I'm not sure about, is how to begin this process. I know I'm supposed to "fire" my advisor, but do I do that first? Or do I call Vanguard and get some guidance from them first? I'm not clear about the correct order of things. And I want to be cordial about it because my advisor ...
by protagonist
Sun Jul 05, 2015 10:42 pm
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 54
Views: 3197

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

I don't have any personal experience with cloud storage, but Google Drive offers 100 Gb free storage with purchase of a Chromebook. If you are looking for cloud storage, given the low cost of Chromebooks which are said to make excellent second computers by many on this site, it might be a solution w...
by protagonist
Sun Jul 05, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5612

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: 62
Views: 5085

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: 20
Views: 5457

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: 3347

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: 62
Views: 5085

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: 92
Views: 10088

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: 119
Views: 12947

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: 45
Views: 5612

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: 14
Views: 1256

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: 135
Views: 10875

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: 135
Views: 10875

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: 1608

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: 920

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

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