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Re: What smartphone plan do you use?- off contract

Almost 2 months into Airvoice. I find that my internet connection is less reliable than it was with Straight Talk....that is the main difference. Several times I could not connect. I don't use much data, and don't need it for work, so the $20 monthly savings with Airvoice is more important to me tha...
by protagonist
Mon Jul 07, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5422

Re: Which Med school?

My daughter will be joining Univ of Wisconsin, Madison med school next month. As mentioned before she will be getting full tuition scholarship, which amounts to about $100,000 over four years (in state rate). I would like to thank all of you who gave excellent advise which helped her make the decis...
by protagonist
Mon Jul 07, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12589

Re: Which Med school?

Shocking to me that she was accepted to schools like Northwestern and Vanderbilt (excellent schools), and not even offered interviews at schools like Tufts and Tulane which I would not consider to be as selective. Any thoughts? Was her application too good for those schools? "Excellent school&...
by protagonist
Mon Jul 07, 2014 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12589

Re: Eneloop batteries in smoke detectors

I know this is an ignorant question, but I assume when you replace the smoke detectors, though the wiring is likely simple and the same, the mounts for the new ones will likely be different (especially if the ones there are older) , so it may well involve ceiling repair, painting, etc.....not just a...
by protagonist
Wed Jul 02, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1794

Re: Eneloop batteries in smoke detectors

OK....convinced. Maxell alkaline batteries in smoke detectors. About $15 for 48 batteries on Amazon. The smoke detectors are a hassle because they take 3 batteries each and go dead at unpredictable times. What sort of smoke detector takes 3 batteries? Would I be correct in assuming that these are 9...
by protagonist
Wed Jul 02, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1794

Re: Eneloop batteries in smoke detectors

OK....convinced. Maxell alkaline batteries in smoke detectors. About $15 for 48 batteries on Amazon. The smoke detectors are a hassle because they take 3 batteries each and go dead at unpredictable times. Eneloops in things like mice, housesweeping robots (etc). Maxell alkaline batteries in things l...
by protagonist
Tue Jul 01, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1794

Re: Eneloop batteries in smoke detectors

I do get annoying warnings from my smoke detectors, yes.

Will I get those warnings far more frequently with eneloops than with alkaline or Lithium batteries?
by protagonist
Tue Jul 01, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1794

Eneloop batteries in smoke detectors

Good or bad idea?
by protagonist
Tue Jul 01, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1794

Re: Rechargable vs alkaline batteries

I'm going to buy some Eneloops. I have an old cheap Rayovac charger. YOu can leave the batteries in permanently, as I have with my old Rayovac rechargeables that I have had for years. The Rayovacs still work. Quality chargers seem to cost $30-100. I read that old chargers can overcharge the batterie...
by protagonist
Tue Jul 01, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Rechargable vs alkaline batteries
Replies: 33
Views: 2658

Re: How do you afford to travel?

One thing not yet mention is going where the dollar is strong. I figure that overall there will be a rotation of countries with weak currency. Eventually, maybe even the Euro will weaken significantly more and we'll go on holiday there extensively. I'm not sure why people are so concerned about thi...
by protagonist
Mon Jun 30, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6207

Re: New Research why Bogleheads prefer index funds.

Bogleheads: Recent research by the Cass Business School, City University, London, England found: ABSTRACT: This paper compares the two bootstrap methods of Kosowski et al. (2006) and Fama and French (2010) using a new dataset on equity mutual funds in the UK. We find that: the average equity mutual...
by protagonist
Sat Jun 28, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: New Research why Bogleheads prefer index funds.
Replies: 8
Views: 1404

Re: Being Polite.

Travelforfun: Perhaps the greatest benefit of being polite is that it makes you feel better knowing you are a good human being. Best wishes Taylor Yep! Exactly. The object is to make you laugh, and as a result, to want to be a nice person, which will make you laugh even more. Not to save a euro or ...
by protagonist
Sat Jun 28, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6698

Re: How do you afford to travel?

Airfare via credit card promotions....pays for at least one RT to S America and one to Europe per year. I virtually never pay for plane tickets. Hotels....I don't care that much about them. To me the main difference between a 5 star resort and and a cheap motel is the chocolate on your pillow and mo...
by protagonist
Fri Jun 27, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6207

Re: TV show recommendations?

There is a miniseries I saw listed on imdb.com called Band of Brothers that got a user rating on imdb of 9.6 , That would be tied with Breaking Bad (the highest rating of any TV show I have seen listed on imdb), and above Game of Thrones (second place with a rating of 9.5). It is about Easy Company ...
by protagonist
Tue Jun 24, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119828

Re: Suggestions for 1-2 Days in NYC?

I was thinking of going to NYC as well on Thursday. Shakespeare in the Park is performing As You Like It. Question: Does anybody know roughly what the odds are of winning tickets in the Virtual (online) Lottery? I assume slim? Also, for this show on a Thursday, is the likelihood of getting tickets s...
by protagonist
Tue Jun 24, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3082

Re: Help devising winning roulette system

I WON AT ROULETTE! HERE IS HOW: (No, this is not a joke or spoof- this really happened.) After some time at the blackjack table enjoying free drinks and pretending I was James Bond or some such, my companion indicated it was sexy time. Having had a set amount to lose in gambling (I wanted the exper...
by protagonist
Tue Jun 24, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3110

Re: Suggestions for 1-2 Days in NYC?

There are no locals in NYC. Everybody there is from someplace else. Just listen to the chatter on the streets. Rarely will you hear any English. ??????? Maybe at the top of the Empire State Bldg or at the Statue of Liberty this is true. "But according to data from the Furman Center’s State of ...
by protagonist
Tue Jun 24, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3082

Re: Help devising winning roulette system

Indeed gambling and investing have a great deal in common. So many behavioral traps. When you superimpose management fees upon the index, you are giving the house the edge. You might still beat the market, but the odds are against you. WILKED....."Don't knock it till you've tried it" is n...
by protagonist
Tue Jun 24, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3110

Re: Help devising winning roulette system

Your system attempts to violate the basic rules of probability, which is not possible. As with coin tosses, each spin of the wheel is independent. The patterns that you observe have no influence whatsoever on the next spin. That is it in a nutshell. You have described nothing in your strategy that ...
by protagonist
Tue Jun 24, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3110

Re: Suggestions for 1-2 Days in NYC?

LadyGeek wrote:I removed a few off-topic comments related to the September 11 event.

Please stay on-topic, which is suggestions for visiting NYC.


Sorry, Lady Geek. *smile*
by protagonist
Mon Jun 23, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3082

Re: What Book Are You Currently Reading? Part V

My comments are in red, to compensate for my lack of fluidity with the quote function...sorry.... I heard that about Victoria refusing to believe the existence of lesbians, but always chalked that up to urban legend. I imagine extramarital affairs were commonplace since the invention of marriage. I...
by protagonist
Mon Jun 23, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: What Book Are You Currently Reading? Part V

I heard that about Victoria refusing to believe the existence of lesbians, but always chalked that up to urban legend. I imagine extramarital affairs were commonplace since the invention of marriage. I do recall reading that, during that era, London had approximately one prostitute for every twelve...
by protagonist
Mon Jun 23, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: Suggestions for 1-2 Days in NYC?

Not enough info about you to suggest what to do. If you only have a day or two, I would concentrate on your interests. If you are mainly an art lover, pick some museum(s) or galleries that interest you. If you are a music lover, go online and find a show you want to see at one of NYC's fine clubs......
by protagonist
Sun Jun 22, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3082

Re: If Harvard invested in Vanguard...

That's interesting about Harvard. Another question about Harvard: I wonder how much risk they take. Perhaps their low returns can at least partly be explained by a low-risk, conservative portfolio. The numbers alone don't mean a lot. Yale, on the other hand, has a reputation for successful managemen...
by protagonist
Sun Jun 22, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5055

Re: I Bonds 5.27% interest

I was checking the rate on I Bonds issued in September 1998. It is a whopping 5.27%! I believe that is when they were first issued. That seems incredible to think of the compounded value of $10,000 today. How many folks have the September 1998 bonds and are you still buying them at the current rate...
by protagonist
Sun Jun 22, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3660

Re: What Book Are You Currently Reading? Part V

The other defining trait of Edwardian England in many classes was the marital affair. Interesting, VT. Explain. Did they only have them from 1901-1910? The tight corsets must have presented a problem. I was thinking of old family rumours ;-). I don't know when the fashion for marital affairs began ...
by protagonist
Sun Jun 22, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: Things to do in the Kingston, RI Area

I am actually in the Providence airport right now waiting for my return flight home. The wife, 20 month old son and I stayed 4 nights in RI. Mystic is cool is you are interested in seeing a live seaport Museum. It is $25 a person. Newport is a really nice place to spend some time. The wharfs are re...
by protagonist
Sat Jun 21, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in the Kingston, RI Area
Replies: 5
Views: 396

Re: What Book Are You Currently Reading? Part V

I have two other takeaways from this book. First of all, Ms. Ridley concludes that the king died of emphysema and heart failure; yet, she too easily dismisses the negligence of Bertie's doctors in overseeing his health, I think. While the 1964 Surgeon General's report on smoking was more than fifty...
by protagonist
Sat Jun 21, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: What Book Are You Currently Reading? Part V

Valuethinker wrote:The other defining trait of Edwardian England in many classes was the marital affair.


Interesting, VT. Explain.
Did they only have them from 1901-1910?

The tight corsets must have presented a problem.
by protagonist
Sat Jun 21, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: What Book Are You Currently Reading? Part V

That was a fabulous synopsis. Thanks again. I am much less familiar with Heinlein's body of work than you are, but from the little I read, I agree with you. With few exceptions, genius tends to dissipate somewhere in one's mid-thirties. To quote Tom Lehrer (musical satirist, pianist and Harvard math...
by protagonist
Fri Jun 20, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: What Book Are You Currently Reading? Part V

That was great. Thank you, Valuethinker. Thank you. If you check back through the thread you will see 5-6 recent posts re trying to steer Lady Geek in her Heinlein reading. They get repetitive! Basically in my view there is pre about 1966 Heinlein and post (basically pre Moon is a Harsh Mistress/ S...
by protagonist
Fri Jun 20, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: What Book Are You Currently Reading? Part V

BTW for those into Science Fiction. BBC Radio 4 is doing an adaptation of Do Androids Dream of Electric Sheep ? The Philip K Dick novel that was (heavily adapted) made into Blade Runner . First episode expires in 2.5 days. It's free for UKians to listen to, but I don't know if it blocks American in...
by protagonist
Fri Jun 20, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: What Book Are You Currently Reading? Part V

That was great. Thank you, Valuethinker.
by protagonist
Fri Jun 20, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009970

Re: Boston or south Boston chapter

Hi, Maria. I'd love to come but it is a bit of a haul for me. If it was in the city I would combine it with visiting friends in Cambridge and perhaps sailing on the Charles or some such thing, but Burlington is likely a 2 hour drive each way. I may still show up but don't count on me. Still, it's g...
by protagonist
Fri Jun 20, 2014 8:11 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3700

Re: Boston or south Boston chapter

To add, we have reservations with Burtons and booked their private room for our group. We order off the menu and there's no charge for the use of the room. I agree about rotating locations for future meetings to accommodate all members. Victoria, we are all looking forward to meeting you and I hope...
by protagonist
Thu Jun 19, 2014 6:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3700

Re: Short Term Bonds or 2 Year CD's

I just read the following on M*. http://news.morningstar.com/all/dow-jones/us-markets/201406188923/fed-officials-nudge-up-projections-for-short-term-interest-rates-in-2015-2016.aspx I have several CD's coming due soon that are part of my shorter term portion of our portfolio. They were originally 2...
by protagonist
Thu Jun 19, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Short Term Bonds or 2 Year CD's
Replies: 13
Views: 1350

Re: Should international travel impact your investments?

In Paris, for instance, we ordered a chicken dinner for about $20 EUR. I thought it would come with a salad, potato, bread and butter, and maybe even some sauce, but all they brought out was chicken on a plate. They did bring out some bread but I think we were charged separately for it. Anyway litt...
by protagonist
Thu Jun 19, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Should international travel impact your investments?
Replies: 30
Views: 1875

Re: Boston or south Boston chapter

And I just did a rail trail bike ride from Southwick MA down into CT a cpl wks ago. We have to do some rides in East/Northampton before long, not that far with a full tank on a good day... I'm game, Wiz. I did about 40 miles this morning on the Northampton bike trail network. I'm not particularly f...
by protagonist
Wed Jun 18, 2014 11:19 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3700

Re: Boston or south Boston chapter

One more thought.... If the consensus is to do it in suburbia, Burlington is quite a haul for South Shore folks dealing with 95 or going through the city. Perhaps a Western suburb near the junction of 95 and 90 would be more convenient for a larger number of people,,,,like Newton, Wellesley, etc.......
by protagonist
Wed Jun 18, 2014 6:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3700

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

A 60/40 portfolio has an expected real return of about 1.4% given Bill's estimates. So his outlook is even more bleak. What do you think of Bill's expected returns? How do you plan to deal with low expected returns? If this is true it would be insane to take any equity or bond risk. Seriously, why ...
by protagonist
Wed Jun 18, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17180

Re: TV show recommendations?

In order... The Wire I Claudius Slings and Arrows Deadwood Foyle's War The Sopranos True Detective 30 Rock Why, why has no one mentioned the comedy Slings and Arrows ? Slings and Arrows is one of the best shows ever, especially if you enjoy theater and Shakespeare. The show was written by people fr...
by protagonist
Wed Jun 18, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119828

Re: TV show recommendations?

I learned about Orphan Black from this thread. Its star, Tatiana Maslany, is amazing. Truly amazing. She's from Saskatchewan of all places. I'm happy about Tyrion's fate, which I will not discuss for fear of spoiling it for others. Phenomenal TV that Game of Thrones. Though Denaerys Targaryan (sp?) ...
by protagonist
Tue Jun 17, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119828

Re: What smartphone plan do you use?- off contract

Thanks for the clarifications regarding StraightTalk. I didn't know taxes and fees were added to their monthly charge -- you say this brought it to about $50? I thought you could buy 30-day refill cards at Walmart for a flat $45. How is it possible to charge you additional taxes and fees? In their ...
by protagonist
Tue Jun 17, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5422

Re: What smartphone plan do you use?- off contract

Just to add a few tidbits to this (I really don't have much to add that you didn't cover) Thank you, protagonist, for further clarifications. Question to all. I will be revamping my telecommunications in a couple months, to coincide with the retirement and a move. I will probably experiment with mo...
by protagonist
Tue Jun 17, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5422

Re: What smartphone plan do you use?- off contract

I agree with Victoria, Browser. Thanks for the extensive research and excellent review....very helpful. Just to add a few tidbits to this (I really don't have much to add that you didn't cover) - Another factor to consider is fees and taxes, which can add up. For example, Airvoice's $30/mo plan is a...
by protagonist
Tue Jun 17, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5422

Re: What smartphone plan do you use?- off contract

I wouldn't be surprised if in a few years there will be plans for $10/month, unlimited everything.
by protagonist
Tue Jun 17, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5422

Re: Boston or south Boston chapter

If anybody on this site lives in W MA (or nearby VT, CT, etc) and is interested in carpooling, PM me.

I'm not sure I will make it. But if I don't I will connect you all up with each other anyway.
by protagonist
Sun Jun 15, 2014 2:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3700

Re: Cutting the cable cord - how did you do it?

I am planning on cutting the cable cord soon and would like to know how folks have done this. I only need the basic local channels since that is all I watch - even though my cable bill is about 30 bucks a month for home much I watch its not worth it for how much TV I watch. I live about 7 miles fro...
by protagonist
Sun Jun 15, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4411

Re: What smartphone plan do you use?- off contract

Now that my iphone is off contract I am looking to get a less expensive plan - typically I use a more data, not that much minutes (hard to hear people!!) and some texting so I am not a heavy user. I know this is a can of worms but what plans are people using for off- contract phones? Anyone using A...
by protagonist
Sun Jun 15, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5422

Re: Boston or south Boston chapter

VictoriaF wrote: I am just a carpetbagger.
Victoria


Are you a Canadian opportunist heading South to profit on the Reconstruction?
by protagonist
Sun Jun 15, 2014 1:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3700
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