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Re: Vacation in France

Hey protagonist, sorry I did not realize that you were the poster who discouraged the weekend travel seminar. (laughing) Don't be. I see your point. Chacun a son gout. Acutally I hope you encourage Victoria. Now she can become the expert and teach us all for free. The reason Flyer Talkers hate the ...
by protagonist
Fri Nov 21, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Vacation in France

And the best part about Ink cards: does not how on your personal credit report, so rinsing and repeating, if you can do it, will have minimum impact on your credit profile. Can you be more specific about this, TP? Do you mean canceling will not affect your credit? I was under the impression that th...
by protagonist
Fri Nov 21, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Vacation in France

Here is some general advice: 1. The best way to accumulate airline points is via sign-up bonuses, when you get a large number of airline points in exchange for initial spend. E.g., there might be a Chase United Card, which offers 55K of sign-up bonus, if you spend $1K or $2k. This is a very good de...
by protagonist
Fri Nov 21, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Vacation in France

While bogleheads is a good forum for investing, especially for retirement, it is not the only game in town. In the last several years, there have been a ton of travel forums which teach strategies on how to travel for less money. They center around a few ideas: - opening a small number of strategic...
by protagonist
Fri Nov 21, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Vacation in France

A weekend with frequent travelers beats a dinner with insurance agents. A weekend in the dentist's chair probably beats a dinner with insurance agents. After attending the FTU, I will have insights for searching the web. Like the ones I gave you? I agree. I don't want to collect every possible doll...
by protagonist
Fri Nov 21, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Extreme Generosity / Limiting Net Worth

Rent+Parking is $42k. Health care (mandatory for school) is $10k - a fairly gold-plated policy with a very high premium for my family. Some significant dental work over the last year has added up to $10k. That leaves us about $30k for other insurance policies, groceries, dates (we do eat out, but r...
by protagonist
Thu Nov 20, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9102

Re: Vacation in France

What other sites do you use? Like wise investing, house cleaning, or most other human pursuits, the basics are really very simple, and certainly good enough for the vast majority of people. You can spend countless hours tweaking the last 5% or so if you are compulsive enough. Here is a link to the ...
by protagonist
Thu Nov 20, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Vacation in France

I am trying to learn how these travel strategies work. When I went to the FlyerTalk site, I found too much information with the useful bits widely dispersed. On an advice from another Boglehead, I signed for Frequent Traveler University in early December. Do you have other suggestions for how to le...
by protagonist
Thu Nov 20, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Cost to furnish a condo

We are thinking about downsizing from a single family home, 3 bedrooms, 3 baths to a 2 bedroom condo. One thought is to take very little if any of the furniture with us. What do you think would be a rough cost of furnishing a 2 bedroom, 2 bath, living room, dining room, kitchen with new stuff....wi...
by protagonist
Thu Nov 20, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2550

Re: Any Bird Experts?

The only birds that hit my window near the feeders are mourning doves - and I think that's just because they're stupid. Probably some other reason. In fact, the reason we can't figure out why the other birds are pecking at the window is probably because we are stupid. Check this out regarding pigeo...
by protagonist
Thu Nov 20, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 1327

Re: Extreme Generosity / Limiting Net Worth

Oh man, if we were staying in the Northeast we would blow through $106k like tissue paper. Our burn rate here is $95k, and we are renters with only one young child right now, taking no vacations and almost never eating out. It's crazy. Just rent and health insurance add up to more than the median i...
by protagonist
Thu Nov 20, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9102

Re: Cost to furnish a condo

We are thinking about downsizing from a single family home, 3 bedrooms, 3 baths to a 2 bedroom condo. One thought is to take very little if any of the furniture with us. What do you think would be a rough cost of furnishing a 2 bedroom, 2 bath, living room, dining room, kitchen with new stuff....wi...
by protagonist
Thu Nov 20, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2550

Re: Any Bird Experts?

I don't think it has as much to do with mating season as perhaps now that the sun is lower in the sky in the winter, window reflections are more likely and more visible to your culprits. Couldn't this theory be easily tested by pulling down shades or closing curtains? I'm skeptical. I have window f...
by protagonist
Thu Nov 20, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 1327

Re: Vacation in France

Thank you everyone with your wonderful responses and great ideas. I was going to reply to individual posts but that will be too much :) I will try to highlight a few suggestions that have been given: ⋅ We will definitely be buying a Paris Museum Pass, as well as a carnet of Metro tickets....
by protagonist
Thu Nov 20, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Vacation in France

I go on cheaper vacations. I visit Paris every summer. I am in France for about a month and don't spend anywhere near $10K in the entire month. I fly for free via frequent flyer miles, easily accumulated via credit card promo offers (you have plenty of time to do this if you are not leaving until mi...
by protagonist
Wed Nov 19, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 64
Views: 2986

Re: Extreme Generosity / Limiting Net Worth

I am considering doing this – limiting annual cash spending to double the Median Family Income ($106k in today’s dollars), and limiting net worth to a number in the low single-digit millions. Why not be more ambitious and limit spending to the median family income? That's still five times median gl...
by protagonist
Wed Nov 19, 2014 12:47 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9102

Re: What Movie Have You Recently Watched?

Interstellar. It was as bad as Gravity, and nearly twice as long. Three hours of nonsensical melodrama in space. My friend was so bored that she went out twice in the middle of the movie to watch another movie. Both times, when she returned and asked what she missed, I couldn't come up with an answe...
by protagonist
Tue Nov 18, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 208
Views: 15710

Re: Lenovo vs Surface Pro 3

If it's between the two--and working with it in your lap is a must--I'd go with one of the Yogas. From a sample of one, I believe Lenovo is not what it used to be. My IBM/Lenovo ThinkPad that I bought in 2005 is still working, with its original battery. By contrast, my Yoga 13, barely off warranty ...
by protagonist
Tue Nov 18, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1560

Re: Extreme Generosity / Limiting Net Worth

Since giving is obviously very important to you, I would reccomend you give 10% of your income every year, save 25% of your income every year, and reduce your lifestyle to live on the remainder. When your net worth hits 7 digits, you can re-evaluate your situation. I think this is excellent advice....
by protagonist
Tue Nov 18, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9102

Re: Extreme Generosity / Limiting Net Worth

It's one thing for you to give generously while making hundreds of thousands of dollars a year, quite another for you to be shocked that all of the Americans who make FAR less than you don't feel like they can afford to give to charity (50% of them make less than $50k a year after all). Yet in anot...
by protagonist
Tue Nov 18, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9102

Re: 10% off Target GiftCards - Black Friday Preview

Eh if it's online I may look into it . but I barely shop at Target. But there's no way in Hell that I am going to frequent any store that is open on Thanksgiving. Shame on stores who are disrupting a family holiday and forcing people to work on Thanksgiving. I do shop at Target, yet I wholly agree ...
by protagonist
Mon Nov 17, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 14
Views: 2301

Re: Extreme Generosity / Limiting Net Worth

The MAIN argument not to give it all away each year is as stated above: What IF your own family unexpectedly and desperately needed a significant amount of money due to accident or illness, with long term needs - including the main income earner? Don't downplay that possibility... RM The OP stated ...
by protagonist
Mon Nov 17, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9102

129 cars

Anybody in the market to buy a car might find this NPR "This American Life" episode illuminating:
http://www.thisamericanlife.org/radio-a ... 3/129-cars
by protagonist
Mon Nov 17, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: 129 cars
Replies: 3
Views: 1415

Re: Boglehead Beer

Currently drinking a Troegs Mad Elf (PA - Dark Belgian Ale), which is my favorite Winter seasonal. It's not cheap -- at about $56 a case -- but considering it's double the potency of most regular beers (11%), that works out to the equivalent of a $28 case. My usual cheapies are PBR and Miller High ...
by protagonist
Fri Nov 14, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 407
Views: 52530

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

What to do? Ever few months it increases. I have everything...$152/ month Top 250 $80 HBO, Max, Starz, Sho. $47 Epix, etc. $10 Equip Ins. $ 8 DVR $ 7 Is anybody else irritated by this? Just a matter of time, going to be 200 bucks a month. :oops: What to do? Greedy corporate bastards.... :moneybag D...
by protagonist
Fri Nov 14, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4305

Re: Boglehead Beer

Drink good beer, Just drink less of it. That's my approach to most things, not only beer. I don't know a lot about beer. Yesterday I bought a bottle of St Peter's Porter for $3.99 because I liked the look of the bottle. I haven't tried it yet so I have no idea if it is as good as its bottle would su...
by protagonist
Fri Nov 14, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 407
Views: 52530

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

Consumer Reports will supposedly give you a complete breakdown of what a dealer pays for a car for $14. If this is a true number, including dealer holdback and other such things, (hard to find via other sources), I think it would probably be a good thing to know, especially in final negotiations. He...
by protagonist
Thu Nov 13, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2478

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

Actually,I saw a facebook post from VG that they soon will be having an "Online Store" which will have those items for sale. :( Say it ain't so. Location: The terrestrial, globular, planetary hunk of matter, flattened at the poles, is my abode.--O. Henry I remember reading some O. Henry s...
by protagonist
Thu Nov 13, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

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

...but would also like to know how Missouri handles it. One story I've heard is that you don't have to pay local tax at all if you purchase as a non-resident in Missouri, but I can't verify that with an online search. For this kind of info, better not to contact the dealer, but rather, the state. M...
by protagonist
Thu Nov 13, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2478

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

The location of each dealership determines the total tax, which is usually comprised of the state tax + county tax + local/city tax. I'm sure this is dependent on geography, but in our area vehicle taxes are handled at registration time. For example, NH doesn't have a sales tax but Mass and Maine d...
by protagonist
Wed Nov 12, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2478

Re: History of American mortgages

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

If you are interested in details, check out the link.
by protagonist
Tue Nov 11, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1205

History of American mortgages

An interesting fact: "The focus on the changing mortgage market is due to the startling fact that between 1949 and the turn of the twenty-first century, mortgage debt relative to total income of the average household rose from 20% to 73%, and from 15% to 41% relative to total household assets.&...
by protagonist
Tue Nov 11, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1205

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

It's also important to include a VIN and a listing of exact options in offer emails. For best results, get educated on decoding option codes. You can get the VIN and options by checking inventory on the dealer's website. This helps avoid the trick where they say "oh, the vehicle we gave you th...
by protagonist
Mon Nov 10, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2478

Re: Traders Millions By the minute

I'm not an index investor because I have a religious belief in efficient markets hypothesis. I have no idea how efficient markets are. I would argue that the "theorists" don't either, and that it is not even a real "hypothesis" since it is virtually untestable via scientific meth...
by protagonist
Mon Nov 10, 2014 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Traders Millions By the minute
Replies: 44
Views: 4882

Re: Why are people so down on bonds?

If I tell people that: I keep bonds for rebalancing purposes and diversification and have no problem with the low returns right now. I get responses like this: I don't think this is a valid reason for holding short term bonds. You could just leave the money in your cash fund and then use it to inve...
by protagonist
Mon Nov 10, 2014 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Why are people so down on bonds?
Replies: 39
Views: 5933

Re: Smartphone questions

Samsung S4/S5 vs. Samsung Note3/4 vs. Apple iphones vs. Motos vs. anything else? Which smartphone(s) do Bogleheads generally prefer? Does it trend any which way? Does it matter? Ready to dump cheap ATT basic phone and wade into the world of "smart"; I've read everything there is on the We...
by protagonist
Mon Nov 10, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8830

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

A friend is about to buy a new Honda Fit and we have followed the tried-and-true method of sending out numerous emails to get itemized quotes from dealers. Many came back with rather large "documentation" and "registration" fees of up to $700 total for both. It costs next to noth...
by protagonist
Sun Nov 09, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2478

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

Follow-up: The dinner is tomorrow night. I'm not going. Bottom line is I would rather spend $20 and go out for pizza and beer with my friend. The pizza was great and the conversation was stimulating. We discussed the election results, though I still have no idea about the 770 ways I could take soci...
by protagonist
Thu Nov 06, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

North Country FCU 2.25% APY 5 year CD, generous EWP

I have a CD with these guys already that I purchased a few years ago and they sent me this promotion in the mail. It's called a "Share Certificate". 6 mo EWP...but the way I read their rules suggests that the EWP "may" be waived in IRAs or Keoghs if you are over 59.5 y o at time ...
by protagonist
Thu Nov 06, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: North Country FCU 2.25% APY 5 year CD, generous EWP
Replies: 1
Views: 298

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

Follow-up:

The dinner is tomorrow night.

I'm not going.

Bottom line is I would rather spend $20 and go out for pizza and beer with my friend.
by protagonist
Thu Nov 06, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

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

If you enjoy going to dinner and sitting with people you don't know for 90 minutes these "events" are fine. If your ready to invest based on a steak and potato and a 30 minute presentation you probably need someone to watch over your investments anyway. +1 I think "westie" hit t...
by protagonist
Wed Oct 22, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

Re: Advice needed for next 10 years: Save, spend borrow?

5) I am not overspending my salary not counting savings. By my definition, if you have to consider borrowing money in order to fund your retirement the way you want to and maintain your lifestyle, you are. Something needs to go. Either savings, spending, or lifestyle expectations. https://www.youtu...
by protagonist
Wed Oct 22, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice needed for next 10 years: Save, spend borrow?
Replies: 27
Views: 3864

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

7. If you are single, don't miss the opportunity, take a date I would only go to one of these "dinners" if VictoriaF would join me and be allowed to provide counterpoint to each line of the presentation. Of course this would be counter intuitive, since I would be too busy laughing to swal...
by protagonist
Tue Oct 21, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

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

gwrvmd wrote: 7. If you are single, don't miss the opportunity, take a date


Why do I not expect this to be included in the cover article in Cosmopolitan entitled "Seven ways to know that he is really thinking of you"?
by protagonist
Tue Oct 21, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

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

MN-Investor wrote: "Which of the 567 ways to claim Social Security is right for you" was the blurb on the outside.


I have a much smarter salesperson than you do. Mine knows 700 ways to claim SS. (checking the mailing....yep...700). That's 133 more than your guy.
by protagonist
Tue Oct 21, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

Re: Who do you trust when you must ask for advice.

Actually this article in Bloomberg (by Michael Lewis, author of Flash Boys) expresses it perfectly. Please read this, Depardieu.
http://www.bloombergview.com/articles/2 ... all-street
by protagonist
Tue Oct 21, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Who do you trust when you must ask for advice.
Replies: 9
Views: 1093

Re: Who do you trust when you must ask for advice.

Ultimately you are responsible for your own ethical behavior, regardless of where you work or the pressures to conform. If you can be true to yourself, you will be an asset to society as well as to the professional community, at Jones or wherever. That said, it is very easy to fall prey to ethical c...
by protagonist
Tue Oct 21, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Who do you trust when you must ask for advice.
Replies: 9
Views: 1093

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

VictoriaF wrote:PS BHs are Boglheads, some of whom may in fact be better husbands


Ah...should have figured that out.

So using the same logic, are DHs Deadheads? Are they also better husbands?
by protagonist
Tue Oct 21, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276

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

It sounds like a money-saving event. You'll get annoyed, your life expectancy will drop, and you won't outlive your money. Victoria +1. But it is a gamble. I might laugh and live longer. DH didn't want to go...I was discovering BH's about the same time. DH=Dear Husband? BHs= Better Husbands?? (curi...
by protagonist
Tue Oct 21, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9276
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