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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: 129
Views: 7539

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: 503
Views: 67341

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: 503
Views: 67341

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: 2222

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: 86
Views: 4947

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: 503
Views: 67341

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: 2784

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: 3658

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: 6296

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: 6296

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: 8936

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: 657

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: 129
Views: 7539

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: 129
Views: 7539

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: 657

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: 129
Views: 7539

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: 503
Views: 67341

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: 6296

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: 4426

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: 6296

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: 6296

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: 6296

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: 4426

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: 6296

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: 2485

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: 4426

Re: Preparing for 2 months incommunicado

I will call them and will put the cards on autopay. I don't want to take more than 2 credit cards and 1 ATM card. Victoria Now that you are part of the frequent flyer game you should put your credit cards on autopay permanently. I connect mine to my Fidelity brokerage account, in which I keep enoug...
by protagonist
Tue Feb 17, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6296

Re: Preparing for 2 months incommunicado

Pilgrims started walking to Santiago de Compostela in the 9th century. They included women and children, the sick and the infirm. Many traveled barefoot. They carried a knife, a spoon, a container for water, and food in a bag they carried over the shoulder. Yes, but in order to be electronics-free ...
by protagonist
Mon Feb 16, 2015 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6296

Re: TradingPlaces' advice on travel awards

Another thought for you, Victoria.... Since you have enough miles for your next trip and since it is so easy to meet CC spending requirements with your Redcard, you might make a hotel card or cards your next card. Generally the airline cards are more valuable than the hotel cards. But a few free nig...
by protagonist
Mon Feb 16, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: TradingPlaces' advice on travel awards

Hi, Gustie. Just a couple tidbits of advice as I'm pretty active in the Manufactured Spend / FlyerTalk arenas. 1) Blogs like MillionMileSecrets and FrequentMiler get paid when you apply for a CC using their referral links, so don't take their recommendations too seriously. They're a good starting po...
by protagonist
Mon Feb 16, 2015 12:46 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: TradingPlaces' advice on travel awards

Victoria, If you don't need to use miles already in your United account, consider booking it directly through the Chase Ultimate Rewards portal. Isn't there a point bonus for doing so? Hi, Bf. My experience is that this is a very bad idea. When I have checked in the past, booking directly through U...
by protagonist
Mon Feb 16, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: TradingPlaces' advice on travel awards

Victoria, If you don't need to use miles already in your United account, consider booking it directly through the Chase Ultimate Rewards portal. Isn't there a point bonus for doing so? Hi, Bf. My experience is that this is a very bad idea. When I have checked in the past, booking directly through U...
by protagonist
Mon Feb 16, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: TradingPlaces' advice on travel awards

Hi protagonist, Your experience is very useful as a benchmark for what is possible. Thank you for sharing it. Right now I have a burning question, and I wonder if you could help me with it. I have over 100k Ultimate Rewards (UR) miles in my Chase accounts. I want to use UR for an Economy round trip...
by protagonist
Sun Feb 15, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: TradingPlaces' advice on travel awards

I should add.....I am not sure if US Air cards are still available (they are merging with AA supposedly in the spring and all USAir miles will be converted into AA miles), but if they are, they are a gift horse that is about to go away. When I signed up I got the personal card (50K miles) and the bu...
by protagonist
Sun Feb 15, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: TradingPlaces' advice on travel awards

My primary questions now are: - If I am approved for Ink Plus, and considering that I already have Ink Bold, what is a good time to apply for Chase United Mileage Plus and Chase Sapphire Preferred? - If I am denied Ink Plus, when should I apply for other cards offering Ultimate Rewards? Thank you i...
by protagonist
Sun Feb 15, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 129
Views: 7539

Re: Chaos, complexity and entropy [for non-physicists]

FreeAtLast and Leeraar, This discussion of Chaos and Complexity does not aim to provide a testable theory of the chaotic market behavior, with formulas and initial conditions. Markets are not a science "like fluid mechanics, bifurcations, instabilities, and stochastic behavior (e.g., turbulenc...
by protagonist
Sun Feb 15, 2015 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7199

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

Hurry up. Valentine's Day is almost over. Well, maybe I'll turn Valentine's Day into Valentine's Month and hit them during the month of February! I will have gained so much insight into love and turn into a relationship expert by the time February is over. No way. You are being overly optimistic. A...
by protagonist
Sun Feb 15, 2015 7:41 am
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4426

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

Valentine's day is upon us and I am home alone weeping softly into my pillow commiserating on my lack of partner and the possibility of growing old alone with my cat as the only companion...... NOT! :happy I am actually happily single and just want to watch a feel-good romantic comedy to watch on t...
by protagonist
Sat Feb 14, 2015 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4426

Re: [Is it worth getting an] AARP [membership]?

Like Groucho, I would never join a group that would have me as a member. That especially applies to groups that remind me that I am not 19 anymore. I would rather pay for my donuts. I don't know anything about their politics. Reminding me that I am not 19 y o is bad politics enough. Off to windsurf ...
by protagonist
Sat Feb 14, 2015 11:24 am
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3949

Re: Time to finally purchase nice bedding - thoughts?

I'm no expert, but my take on the bedding industry, based on purchases that I have made in the past and internet research, is that it is an industry where "best" and "most expensive" or "most famous" do not correlate linearly. A good starting point is consumersearch.com...
by protagonist
Sat Feb 14, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2072

Re: Chaos, complexity and entropy [for non-physicists]

Until recently, there was no computer to do the tedious. Computers have been doing tedious things for a long time,. Here are some from 125 years ago: http://upload.wikimedia.org/wikipedia/commons/thumb/5/5a/Astronomer_Edward_Charles_Pickering%27s_Harvard_computers.jpg/307px-Astronomer_Edward_Charle...
by protagonist
Sat Feb 14, 2015 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7199

Re: Best financial book I ever read, not Buffet or Bogle but

Looks interesting.

The irony is that it was compiled from a series of pamphlets distributed by banks and insurance companies, and published in 1926, only three years prior to the crash.
by protagonist
Fri Feb 13, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Best financial book I ever read, not Buffet or Bogle but Geo
Replies: 4
Views: 1226

Re: Food of the Fifties

I doubt that all this 50's food we are discussing was as "healthy" as what we eat now. But it sure had more flavor than the stuff agribusiness produces now. Of course back then people were more active -- got rid of the excess in the food that way. Just as with TV, standard of living (as p...
by protagonist
Wed Feb 11, 2015 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11135

Re: What to buy sweetie for Valentine's Day

OK, in return for all your help I owe y'all feedback. Thanks to Amazon's efficiency the sheets that were supposed to arrive on Valentine's day arrived yesterday. Oops. She loved them, or said she did anyway. She said they were soft and fluffy and plush and warm. (Pinzon 190 gram flannel). She didn't...
by protagonist
Wed Feb 11, 2015 10:09 am
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5719

Re: am I mess?

Welcome. I'd say you are not a mess, but your finances could be improved. That goes for all of us, no one is perfect. The good news, as EmergDoc suggests, is that you can fix the problem pretty easily, by paying off the car. IIWY I'd save up the total amount, and then pay it off all at once. I woul...
by protagonist
Wed Feb 11, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 30
Views: 3252

Re: Food of the Fifties

I remember drinking egg creams as a kid. I thought they were delicious. I'm pretty sure they contained neither egg nor cream. They contained milk, soda water and syrup. If you added ice cream you had an ice cream soda. Nowadays they are done at upscale coffee houses with Italian syrups, but they ar...
by protagonist
Wed Feb 11, 2015 9:35 am
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11135

Re: Food of the Fifties

I have noticed a resurgence of basic 60s food- stuff that in the 60s was considered as pedestrian as it comes- served in upscale NYC restaurants at inflated prices that I find hysterical. The famous chef Gabrielle Hamilton ("Prune" restaurant) was known to serve canned sardines and triscui...
by protagonist
Wed Feb 11, 2015 9:33 am
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11135

Re: Long Term bond performance during 1975-1981

Don't fall for the historical fallacy of returns. Returns are due to historical events which may never be repeated. Taking the average of past historical events for certain periods is a shaky way to see through a crystal ball. Exactly my point. What we do know is that when interest rates rise total...
by protagonist
Mon Feb 09, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Long Term bond performance during 1975-1981
Replies: 11
Views: 1021

Re: Long Term bond performance during 1975-1981

It's awful if you look at real value and consider both interest rate risk and inflation risk: http://s5.postimg.org/lwfbk1nhz/Captura_de_pantalla_2015_02_08_a_las_10_27_04_PM.png I'm looking at this graph with interest in correlating it with federal interest rates. The closest I could find going ba...
by protagonist
Mon Feb 09, 2015 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Long Term bond performance during 1975-1981
Replies: 11
Views: 1021
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