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Re: Read too many books... help untangle

So help me untangle all these concepts from folks we all know and love around these parts that are seemingly contradictory. I'm going to suggest that people can put aside all those contradictions and focus on the basics instead. The basics of -saving a reasonable amount of money -using both stocks ...
by protagonist
Mon Sep 29, 2014 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2331

Re: Gas Water Heater Upgrade worth the $$$

How much you save obviously depends on usage. When I bought my home in 2009 it came with an old, inefficient, big hot water heater (electric). I figured, when it died, I would replace it with gas. It's still going strong and must be at least ten years old. My electric bill for July (everything inclu...
by protagonist
Mon Sep 29, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1695

Re: Read too many books... help untangle

OK. I will simplify it, since I love the bubba gump model of existence: Hah, soon you can find me on the top of a mountain in the Himalayas in deep contemplation. This has all been a very good conversation. I think to folks who are perhaps more novice, they see all of these things thrown around and...
by protagonist
Mon Sep 29, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2331

Re: Buy Local

It is NOT true that BIG BOX stores did the first wave of damage. It started a lot earlier than that. In 1859, with the opening of the Great Atlantic and Pacific Tea Company. People stopped knowing their local grocer by name. There is a huge reaction that has mushroomed over the last decade in citie...
by protagonist
Mon Sep 29, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 18
Views: 1049

Re: Read too many books... help untangle

pkcrafter wrote:I have walked your walk, and here's what I discovered: The more I learned, the more I realized the less I needed to know. :D
Paul



+1
by protagonist
Mon Sep 29, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2331

Re: Chase Ultimate Rewards Program

You could also just cancel the annual fee card right before the year-mark where it gets assessed and apply for one of the other annual fee cards which still provides you with the ability to transfer points to airline/hotel programs. This way you can also continue to accumulate the introductory poin...
by protagonist
Mon Sep 29, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 22
Views: 2392

Re: Chase Ultimate Rewards Program

Yes, that's what I pointed out in my previous post. But many of us have Freedom and Ink cards that, as far as I know, don't allow transfer of their UR points directly to airline programs. You have to first transfer the points to a card that does have that option, and I don't know of any of the Chas...
by protagonist
Sun Sep 28, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 22
Views: 2392

Re: Read too many books... help untangle

So I have been a knee deep in books over the past month (and juxtaposing with what I read here) or so trying to plan a portfolio for post business exit and it seems I have thoroughly confused myself. It seems there is a lot of contradiction out there, but maybe I just see it as contradiction. It se...
by protagonist
Sun Sep 28, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2331

Re: Chase Ultimate Rewards Program

I believe the change I was referring to (besides the loss of the 10% bonus points for freedom cards), is that all options to redeem a fixed amount of points for airline travel will be discontinued. Is this true? I did hear that Delta/Sky MIles planned to do it, but have the others followed suit? If...
by protagonist
Sun Sep 28, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 22
Views: 2392

Re: Chase Ultimate Rewards Program

I believe the change I was referring to (besides the loss of the 10% bonus points for freedom cards), is that all options to redeem a fixed amount of points for airline travel will be discontinued. Is this true? I did hear that Delta/Sky MIles planned to do it, but have the others followed suit? If...
by protagonist
Sun Sep 28, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 22
Views: 2392

Re: Online privacy and smartphones

I If privacy doesn't concern people, the enablement of totalitarianism should. We have slid from that being impossible to very possible in a few decades. Totalitarianism is possible tomorrow, and has always been possible tomorrow. Nothing has changed there. It is good to be afraid of that. Of cours...
by protagonist
Sun Sep 28, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1246

Re: Jewelry Insurance - Engagement Ring

I am planning on proposing to my wonderful girlfriend at the end of the month. I had a custom engagement ring made, the main stone is from a family ring and, therefore, is worth quite a bit more than I would have otherwise spent. I'm looking on advice on insuring it. I originally planned on just do...
by protagonist
Sat Sep 27, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 19
Views: 1862

Re: Chase Ultimate Rewards Program

For maximum flexibility keep your points as UR until you want to fly. They transfer instantly to United or British Airways. Chase Ultimate Rewards is one of the best programs out there. Get an Ink Plus, Ink Bold, Sapphire and Freedom card and, depending on current promos, you probably have close to...
by protagonist
Sat Sep 27, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 22
Views: 2392

Re: Online privacy and smartphones

Privacy and downtowns are rapidly becoming a thing of the past. The world of 2030, and maybe even 2020, will be an interesting place. I'm actually fascinated. Like Caduceus aka Doppelganger I like to keep 'em guessing, but unlike the guy who thinks he is smart enough to beat the market, I know resis...
by protagonist
Sat Sep 27, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1246

Re: Advice for student buying cheap used car

We are seriously looking at a 2001 Honda CRV owned by a friend, selling for $2500, with 108K miles. It seems like a good deal....main downside is fuel economy.

Thank you, everyone, for the great, thoughtful comments.
by protagonist
Sat Sep 27, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3128

Re: Are trash compactors good things?

I decided against the trash compactor.

I actually like hauling my trash to the dump, sort of. I run into neighbors. I get to peruse the dump library. It's hardly any work really........and I do it on my own time, rather than having to put it out on a schedule.
by protagonist
Thu Sep 25, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1019

Are trash compactors good things?

I have to replace my kitchen garbage pail and was surprised to find that kitchen size foot pedal garbage pails tend to sell for $50-150 on Amazon. On Craigslist there is a trash compactor for sale locally- KitchenAid 2003 model "hardly used"- for $150. https://westernmass.craigslist.org/ap...
by protagonist
Thu Sep 25, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1019

Re: iOS 8 update available today

I added a $99 upgrade to the 64GB version given I had to delete some pictures on my 5S in order to download iOS 8 @ 5+ GB That's also why I went with the 64GB version...16GB just doesn't cut it anymore. Too bad Apple didn't make the base phone 32GB. Or at least allow for a micro SD card for expansi...
by protagonist
Tue Sep 23, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5524

Re: Advice for student buying cheap used car

Some great, useful information here so far. Thanks, guys!
by protagonist
Mon Sep 22, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3128

Advice for student buying cheap used car

It's amazing how expensive used cars are these days. Reliable cars such as Camrys (Camries?), Corollas, Civics etc from around 2002 with 150K -180K miles on them in decent shape are advertised on Craigslist for around $3000-4000 or more. The customer (my daughter) was thinking of buying a car for ar...
by protagonist
Mon Sep 22, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3128

Re: iOS 8 update available today

You might find comments about iOS8 by android users interesting. http://forums.androidcentral.com/ask-qu ... -like.html
by protagonist
Mon Sep 22, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5524

Re: Blood work for cats

A goldfish who was intubated and had brain surgery: http://abcnews.go.com/GMA/video/goldfish-swims-after-lifesaving-surgery-25509683. The goldfish was saved. The surgery allegedly cost $200. (in Australia). I post this for a few reasons: 1. It is amusing . That is the main reason I posted it. Check ...
by protagonist
Sun Sep 21, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2402

Re: Another take on "rising equity glidepath" in retirement

Recently, Pfau & Kitces discovered that a "rising equity glidepath" in a retirement portfolio being drawn down appears to be make the portfolio less vulnerable to premature failure due to "sequence risk"; i.e, the bad luck of having your equity allocation take a big hit duri...
by protagonist
Sun Sep 21, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1453

Re: Computer Backup & Restore - Old Machine to New

Office, Norton, printer software, etc. will all need to be re-installed on your new laptop. I am not sure how Microsoft handles the activation of Office to prevent privacy. In other words, Office was activated on your old laptop. Will Microsoft allow activation on your new laptop? I guess you'll fi...
by protagonist
Sun Sep 21, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Computer Backup & Restore - Old Machine to New
Replies: 8
Views: 965

Re: How to achieve a balance between "saving" and "living"?!

You are also likely to achieve greater happiness by spending X dollars at age 25 then by spending X dollars when you are 65. Assuming you are talking about X real dollars, why would you think this is true? I can think of a big reason why this statement is true. As one accumulates "stuff",...
by protagonist
Sun Sep 21, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6530

Re: How to achieve a balance between "saving" and "living"?!

My answer to the OP's question is to stay out of debt. If you can pay for what you own with money you have and still pay your bills and save a bit , then congratulations! You have achieved a balance and have little to worry about. If you have to make payments on the motorcycle because you cannot aff...
by protagonist
Sun Sep 21, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6530

Re: Blood work for cats

The vet has been hard selling regular blood work for my mom's cat. The cat is now about 12 years old but is still pretty healthy and do not apparently have any known health issues. I haven't owe a cat for several decades and don't remember blood work being done in those days. Do you think it's wort...
by protagonist
Sun Sep 21, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2402

Re: Consumer Cellular with 4G-LTE android smartphone

I got to wondering if it has something to do with the fact that CC is 4G-LTE while H2O is HSPA+ speed. I know that's the data speed but maybe it has something to do with Google Voice -- I don't know how that thing works at all. I didn't have ring lag with Straight Talk. I have it with Air Voice. I ...
by protagonist
Sun Sep 21, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 5765

Re: iOS 8 update available today

I'm not an Apple user, but here are two articles that might influence your decision. On the bright side: http://www.washingtonpost.com/business/technology/2014/09/17/2612af58-3ed2-11e4-b03f-de718edeb92f_story.html On the dark side: http://www.slate.com/blogs/future_tense/2014/09/17/apple_says_the_ip...
by protagonist
Thu Sep 18, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5524

Re: A 'really good book' you did NOT enjoy

I used to teach sailing on the Charles River in Boston. I would always carry a copy of Moby Dick with me. I would take two students in the boat. Between the three of us, one would man the mainsail, one would man the jib, and the third would read random passages from Moby Dick as we pretended to cha...
by protagonist
Thu Sep 18, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10980

Re: A 'really good book' you did NOT enjoy

jdb wrote:At this rate could become a book club thread.


Not really. Men are involved. Men never get involved in book clubs.
by protagonist
Thu Sep 18, 2014 12:50 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10980

Re: A 'really good book' you did NOT enjoy

OK, I finished the first nine chapters of Pride and Prejudice. I'm trying very hard. I really am. But I don't know how much farther I will get. Plot synopsis so far: 1. A dizzying array of characters have been introduced- Tolstoy would have a hard time keeping track of who's who. I certainly am. 2. ...
by protagonist
Wed Sep 17, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10980

Re: Financial Psychology - Mind Over Money

I can already see our hostilities escalating into a full-blown flame war leading to LadyGeek banning both of us into nothingness. Victoria “Alone, I often fall down into nothingness. I must push my foot stealthily lest I should fall off the edge of the world into nothingness. I have to bang my head...
by protagonist
Wed Sep 17, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3601

Re: How much value can an advisor add for the average invest

Now a key here is that I'm referring to the AVERAGE investor. Not the average Boglehead. An advisor provides very little for a Boglehead. But for someone who knows literally nothing about investment, about stocks, bonds etc except what they read in the headlines, what value can an advisor provide? ...
by protagonist
Wed Sep 17, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4724

Re: A 'really good book' you did NOT enjoy

I used to teach sailing on the Charles River in Boston. I would always carry a copy of Moby Dick with me. I would take two students in the boat. Between the three of us, one would man the mainsail, one would man the jib, and the third would read random passages from Moby Dick as we pretended to cha...
by protagonist
Wed Sep 17, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10980

Re: How much value can an advisor add for the average invest

Now a key here is that I'm referring to the AVERAGE investor. Not the average Boglehead. An advisor provides very little for a Boglehead. But for someone who knows literally nothing about investment, about stocks, bonds etc except what they read in the headlines, what value can an advisor provide? ...
by protagonist
Wed Sep 17, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4724

Re: Why Invest in Bonds in your early 30s?

If you are in your early 30s and you don't need the money in the short to intermediate future (as you suggested), here are some factors that might influence your decision towards a higher equity allotment (as high as 100%): 1. If you have a good, secure job with high income potential and your saving...
by protagonist
Wed Sep 17, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3565

Re: Impulse Buy vs. Investment Strategy

Hi FJoeC, and welcome to the forum! You're absolutely right. You should not make investing decisions on impulse. With a three-to-five year investment horizon neither long-term bonds nor stocks are appropriate at all. CDs are probably a good choice, especially if you can narrow down the time frame. ...
by protagonist
Wed Sep 17, 2014 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Impulse Buy vs. Investment Strategy
Replies: 5
Views: 504

Re: A 'really good book' you did NOT enjoy

Seems Moby Dick is getting a good number of votes. It was required reading in my High School BUT in hind-sight I give my High-School English teacher credit as she knew how to assign it. I remember she had us reading half of certain chapters and skipping entire chapters altogether. It was an interes...
by protagonist
Wed Sep 17, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10980

Re: Hamilton watches, worth the money?

That goes back to my thread of spending and saving, as long as you spend some of your money on things that you enjoy, you are in good shape, be it bumper plates, watches, cars, whatever, enjoy something within the reason and don't look for return on everything, not everything in an investment meant...
by protagonist
Tue Sep 16, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9737

Re: Hamilton watches, worth the money?

It's not that we have an unhealthy relationship with money... It's just very hard for many of us to see how buying something "pretty" (because functionally, it does almost nothing for you) is a good use of money. I think buying something "pretty" does make sense. People like to ...
by protagonist
Tue Sep 16, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9737

Re: Most cost effective means of protecting physical assets

Think of the financial value of insurance this way. It makes financial sense to pay $1000 annual premium to insure your stuff if both of the following criteria are true: 1. You have better than a 1 in 10 chance of having $10,000 worth of stuff stolen or destroyed this year, or a better than 1 in 100...
by protagonist
Tue Sep 16, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3988

Re: Most cost effective means of protecting physical assets

Assessment of risk is so irrational and so easily manipulated by others. People tend to go to extraordinary lengths and expense to protect themselves against extremely rare occurrences (like major theft) while accepting large risks in other aspects of their lives without concern. So for example, we ...
by protagonist
Tue Sep 16, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3988

Re: Financial Psychology - Mind Over Money

I think you're on to something. The Wiki agrees. http://www.bogleheads.org/wiki/Behavioral_pitfalls Investors do not net the returns of their funds. The difference is called the behavioral gap. I have come to the conclusion that smart investing is not about maximum returns: it's about minimizing lo...
by protagonist
Tue Sep 16, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3601

Re: Financial Psychology - Mind Over Money

I would add to all this belief in "experts", assuming that because they know more than the rest of us, they are better at predicting the future (of a particular stock, a mutual fund, a sector, or the market in general).
by protagonist
Tue Sep 16, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3601

Re: New Laptop, need help

I have bought my last few Thinkpads from the Lenovo outlet site: http://outlet.lenovo.com/outlet_us/ They come with one year warranty and after the purchase you can buy an additional year plus accidental damage coverage for $99. As a frequent traveler that extension makes good sense. There are the ...
by protagonist
Tue Sep 16, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2196

Re: Hamilton watches, worth the money?

However, if one is habitually checking time, one will do it on cell phone same way as one would do it on watch, different means to satisfying the same habit, Speaking as a sample of one, I don't. I haven't looked at my phone once this morning after initially checking my messages and the time when I...
by protagonist
Tue Sep 16, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9737

Re: New Laptop, need help

Wife is having a hard time justifying spending more then 500-600 on a computer, but we dont want this computer to die in 2-3 years and rather have it last 6-8 years so Im trying to justify spending a bit more for quality. If Moore's Law continues to be valid, "quality" today will be merel...
by protagonist
Tue Sep 16, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2196

Re: Hamilton watches, worth the money?

Checking time is not an addiction, it's a habit. Most of our lives are built off habits with occasional bouts of conscious thinking. Victoria Correct. I needed to check the distinction. It seems like more a matter of degree than anything. http://www.umass.edu/fsap/articles/addictive.html IN my own ...
by protagonist
Tue Sep 16, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9737

Re: Hamilton watches, worth the money?

IMHO, no watch (including a $10 Casio) is worth the money, assuming you carry a cell phone- it's just redundant, uncomfortable, and another thing you have to care for. Your cell phone is far more versatile and you will become less time-addicted. I own both. Most of the time I carry neither. Sometim...
by protagonist
Tue Sep 16, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9737
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