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Re: Air conditioning

I once spent a summer in NYC without air conditioning. The temperature was in the high 90s/low 100s for several weeks. I slept with bags of frozen vegetables. They were not nearly as comfortable as air conditioning would have been. I would definitely recommend springing for an a/c unit. This is rea...
by protagonist
Sat Aug 23, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Air conditioning
Replies: 33
Views: 2146

Re: Favorite guitarist...

What this post reveals is not so much who is the best guitarist of all times, but rather the homogeneity of the Bogleheads sample group. Were all of the best guitarists of all times rock or blues musicians who did their best work between the late sixties and the early 80s? Admittedly, there are som...
by protagonist
Sat Aug 23, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 200
Views: 20026

Re: The Worst Investment You Can Make: Buying a Home

But it is worth considering whether someone should make their house a very large portion of their total networth. It is a highly undiversified asset. Yes, but in most markets it is probably a reasonably stable and secure asset (compared with, say, equities), and it provides the security of a roof o...
by protagonist
Fri Aug 22, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 91
Views: 10361

Re: Air conditioning

sans souliers wrote:Without a/c in the summer, I will not sleep well. For me, regarding sleep quality, a/c is more important in the summer than heat in the winter.


You don't like wearing shoes, live by the Quinnipiac, and yet find winters more tolerable than summers? Interesting. (laughing....)
by protagonist
Thu Aug 21, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Air conditioning
Replies: 33
Views: 2146

Re: To be truly rich, take stock of your life before investi

Investing and LBYM leads to financial independence, which means freedom. It's as simple as that. I completely agree with this. The flip side is that so many people fail to take advantage of the freedom they have bought with their independence. They always want just a little more, and (due to raisin...
by protagonist
Thu Aug 21, 2014 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 25
Views: 3565

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article? +1 Or a spouse or living partner, for that matter. People cost money. There is more to investing in your future happiness than a potential slight edge in financial return based on historical data. Whether you do better financ...
by protagonist
Thu Aug 21, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 91
Views: 10361

Re: Air conditioning

Not well. Some ideas: Take a hot shower before bed. NO offense, but that sounds insane. (laughing....) I find just the opposite works. As cold as possible (eg NO hot water), and stay in until you absolutely can't stand it any longer. Screaming "EEEEEE......" or singing opera (or anything ...
by protagonist
Thu Aug 21, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Air conditioning
Replies: 33
Views: 2146

Re: Subaru Blues

Been contemplating the purchase of a new vehicle and considering the Subarus. Just learned of an acquaintance who owns one that is 2 years old with 19K miles (sedan, not sure which model). Seems that while driving, the dash status lights all lit up and began flashing and the steering went fuzzy. Sh...
by protagonist
Thu Aug 21, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 59
Views: 4023

Re: B&H Photo - NY City Experience

Hi All, In researching prices for a new computer, I found that B&H Photo in NY City has excellent prices. I'm a little hesitant to make this type of purchase online, especially since I would need to give them my credit card number. Is this a reputable company. Has anyone had any experience with...
by protagonist
Thu Aug 21, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2262

Re: Favorite guitarist...

What this post reveals is not so much who is the best guitarist of all times, but rather the homogeneity of the Bogleheads sample group. Were all of the best guitarists of all times rock or blues musicians who did their best work between the late sixties and the early 80s? Admittedly, there are some...
by protagonist
Thu Aug 21, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 200
Views: 20026

Re: Where to live? She works in Boston, he works in Worceste

I'd look at Newton or maybe even Brookline. The commute west on 90 shouldn't be too bad - most people should be going the other way. There are many factors that you need to consider. 1. Any school-age kids? If so school systems are important. 2. Is affordability important? 3. Are you both intereste...
by protagonist
Sun Aug 17, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2136

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: 5545

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: 12731

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: 12731

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: 1821

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: 1821

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: 1821

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: 1821

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: 1821

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: 2679

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: 6387

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: 1425

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: 6758

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: 6387

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: 120251

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: 3386

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: 3209

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: 3386

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: 3209

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: 3209

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: 3386

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: 3204
Views: 1087676

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: 3204
Views: 1087676

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: 3386

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: 5159

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: 3695

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: 3204
Views: 1087676

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: 406

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: 3204
Views: 1087676

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: 3204
Views: 1087676

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: 3204
Views: 1087676

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: 3204
Views: 1087676

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: 3204
Views: 1087676

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: 3204
Views: 1087676

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: 3836

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: 3836

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: 1377

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: 1889

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: 3836

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: 3836
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