Search found 1599 matches

by Caduceus
Thu Apr 12, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21610

Re: Anyone Deleting Facebook?

I had a day off, and I spent it watching the live testimony. Yes, I had nothing better to do and need to get a life 8-) It's fascinating (and infuriating) that Facebook apparently collects information even on non-Facebook users. One of the congressmen asked how it is possible for users to "consent" ...
by Caduceus
Thu Apr 12, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1097

Men's Boxer briefs without brand/embossing

Do any of you know any brands of men's boxer briefs that don't actually print the brand anywhere on the boxer briefs? I've been googling for 30 minutes and can't seem to find any.
by Caduceus
Thu Apr 12, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Deadline for IRA contribution at the point of request or settlement?
Replies: 2
Views: 162

Deadline for IRA contribution at the point of request or settlement?

The IRA contribution deadline is April 17, but does that mean that someone can initiate the transfer on April 17 (and the funds will actually be deposited three days later), or does the contribution deadline mean that the actual funds must have settled by April 17?
by Caduceus
Sun Apr 08, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Can I use United airline miles to buy a ticket for my friend?
Replies: 15
Views: 1002

Can I use United airline miles to buy a ticket for my friend?

I have plenty of United miles, and I would like to use it to buy a ticket for my friend. We don't share similar last names. Can this be done and will there be an additional cost? Will he have any problems using the ticket if I issue a rewards ticket in his name? This will be for an international fli...
by Caduceus
Sat Apr 07, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone also getting Petrobras compensation?
Replies: 6
Views: 449

Re: Anyone also getting Petrobras compensation?

I don't think it matters if you had a gain or loss. I mailed mine in about a week ago. I had a pretty small position. I didn't hold it for long and I had a small gain. I think I remember reading in the fine print that compensation would be about $1 per share? That was for common shares. Do you know...
by Caduceus
Sat Apr 07, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is Tax CPA really needed for Vanilla Investments ?
Replies: 31
Views: 2445

Re: Is Tax CPA really needed for Vanilla Investments ?

For the situation you describe, obviously not. 90% of most tax work is information gathering. On a broad level, you need to know what kind of information you even need to gather. For example, if you didn't know you could claim a self-insurance deduction, you might fail to include that when sending m...
by Caduceus
Sat Apr 07, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone also getting Petrobras compensation?
Replies: 6
Views: 449

Re: Anyone also getting Petrobras compensation?

I think I am? I got a mailer and promptly lost it - luckily it is all online. I completed and mailed the "Proof of Claim" form last week. http://www.petrobrassecuritieslitigation.com/#documents Before I became a BH, my advisor lost about 50% ($5k) with them. Luckily he had the trade dates and amoun...
by Caduceus
Sat Apr 07, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 16410

Re: What can we learn from secret millionaires.

There's probably a correlation between the "secret" and the "millionaire". Why? Because people who like to spend on conspicuous consumption either to impress themselves or other people are not likely to be the greatest savers. Whereas people who don't really care about whether people think they make...
by Caduceus
Sat Apr 07, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone also getting Petrobras compensation?
Replies: 6
Views: 449

Anyone also getting Petrobras compensation?

Petrobras recently settled with US investors in the amount of 2.9 billion and they will distribute the amount to people who owned shares, I think, between 2010 and 2015. The thing is, I didn't actually lose any money on my shares, even though the shares lost a great deal of their value, just due to ...
by Caduceus
Sat Apr 07, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 4815

Re: [When is going out to a restaurant worth it to you?]

Going out to eat doesn't have to be that much more expensive. In graduate school I had periods where I cooked all the time, and then periods where I ate out almost exclusively (because there just wasn't any time to cook). The cost difference wasn't that great. Takeout at Indian restaurants usually w...
by Caduceus
Sat Apr 07, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3432

Re: How often do you replace your office shoes?

big Allen Edmonds fan. Recrafting is fantastic. The last time I sent in a pair -- third time in 20 years --- the leather split. AE said no problem, pick something out of the catalog to replace them. Wonderful customer service. So hard for me to get into AE. I haven't found one "last" that felt comf...
by Caduceus
Fri Apr 06, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: How to re-wire an antique lamp
Replies: 15
Views: 851

Re: How to re-wire an antique lamp

Thank you for all the helpful tips. I think I will get someone to help me re-wire it. I would like to bring it completely up to modern electrical standards, and the fact that it has a pump running in the base seems to complicate things. The few folks who have completely dismantled rain lamps seem to...
by Caduceus
Fri Apr 06, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: How to re-wire an antique lamp
Replies: 15
Views: 851

Re: How to re-wire an antique lamp

Oops, my apologies - I will call it a vintage instead of antique lamp then! 8-) It's not an ordinary lamp - it looks like this: https://www.flickr.com/photos/52047146@N03/7861955796 I think it's called a "rain lamp". And it has a pump in the base, with mineral oil moving up and down the lines on the...
by Caduceus
Fri Apr 06, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: How to re-wire an antique lamp
Replies: 15
Views: 851

How to re-wire an antique lamp

I bought an antique lamp that dates back to the 1970s. I really love it and it's one of the few expensive purchases I've made in the last few years. The lamp hardware itself is in perfect condition, and that's really amazing. But the electrical wiring is not in great shape. I am not a handy person a...
by Caduceus
Sat Mar 31, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5494

Re: $20,000 book - what to do with it

Wow, looks like I made a mistake. The two copies I thought of the other book are actually much later copies of this book that were published decades later. It turns out my granduncle's book is the only known copy of the first edition of the book. One of the major libraries has offered to send someon...
by Caduceus
Fri Mar 30, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5494

Re: $20,000 book - what to do with it

Nice gift. If true, I would first have it professionally appraised and documented. If it has value then find a conservator to assist in proper methods to preserve, based on type of material used. The lady friend in question works for one of the most prestigious auction houses, so I basically got th...
by Caduceus
Fri Mar 30, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 8972

Re: How Do You Value Your Home for Net Worth Purposes?

Just value it at market value, net of transaction costs it would take to sell it, and adjust for the outstanding mortgage. In accounting terms, you would be recognizing both the asset and the embedded liability at fair value. But if your goal is to figure out how close to financial independence you ...
by Caduceus
Fri Mar 30, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5494

$20,000 book - what to do with it

I was shocked to discover that one of the books gifted to me by my granduncle quite some time ago when he realized I was interested in our family history is worth at least $20,000. I only discovered this by chance when someone who works in the field visited my house and I showed her the book. It has...
by Caduceus
Wed Mar 14, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Reasonable cubic feet estimate for a move?
Replies: 8
Views: 517

Reasonable cubic feet estimate for a move?

I just completed a move and the movers came back saying that the shipment for all my possessions was 65 cubic feet. I don't own much (well, at least I didn't think I did), so I was a little shocked. For others who have moved, did you know how much cubic feet worth or weight of stuff you moved? I am ...
by Caduceus
Tue Mar 13, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4388

Re: Men's Cologne

Cologne smells different on every one because every person's body chemistry is different. What smells good on you may not smell good on another person. I don't wear cologne myself, but I think folks get turned off it because people wear them wrong. They use too much, or spray on clothes, when you ar...
by Caduceus
Tue Mar 13, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37233

Re: [What UN-frugal thing do you do? What do you splurge on?]

I mostly splurge on weird hobbies. I spent $25 getting a couple of very rare seeds that may not even germinate (chances are approximately 3 in 100 seeds!) I spent more than $2,000 banking the DNA (one-time cost - no freezing required) of some of my elderly relatives, since I think it's a safe bet th...
by Caduceus
Tue Mar 13, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40756

Re: What frugal thing did you do today?

If you want to be frugal, go to www.freedompop.com and get a cell phone for $19 or so, and setup for one of those $0/month cellular service (200 minutes of free voice, 500M of data ) per month. I haven't pay cell phone in years :happy How do you set up the $0 plan? I explored the website and there ...
by Caduceus
Sat Mar 10, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4388

Re: Men's Cologne

Good Life by Davidoff, if you can still get it. Best cologne in the world. My first boyfriend used to wear it all the time - it's masculine, light but persistent, and incredibly erotic.
by Caduceus
Sat Mar 10, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Is Amazon HD video better than a blu-ray disc?
Replies: 13
Views: 957

Is Amazon HD video better than a blu-ray disc?

There are two shows that I'd like to get the highest quality viewing version of, but I'm confused by the options out there. Does anyone know how to rank these options by quality? Amazon HD video Amazon SD video Blu-Ray Disc DVD Is the ranking: Blu-ray, Amazon HD, DVD, Amazon SD? Basically, I would l...
by Caduceus
Tue Mar 06, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8065

Re: 30-Day Minimalist Challenge

For me, the hardest things to get rid of are books. Even if I know that I will never read them, or not read them again , there is sentimental value associated with the thought process that went into selecting them in the first place. Victoria I have a handful of books that I've held onto as well, b...
by Caduceus
Tue Mar 06, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8065

Re: 30-Day Minimalist Challenge

For me, the hardest things to get rid of are books. Even if I know that I will never read them, or not read them again , there is sentimental value associated with the thought process that went into selecting them in the first place. Victoria +1000 I never got rid of any of my books until I moved t...
by Caduceus
Tue Mar 06, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Where to send blu-ray for digitization?
Replies: 6
Views: 906

Re: Where to send blu-ray for digitization?

Thanks guys. Is MakeMKV a program that makes lossless, exact copies of my blu-ray? I don't want any compression and loss in quality from the original.
by Caduceus
Thu Mar 01, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Where to send blu-ray for digitization?
Replies: 6
Views: 906

Where to send blu-ray for digitization?

I have a set of blu-ray discs that were issued once in a limited amount and then never made again. They now go for hundreds and hundreds of dollars on Ebay and at one point there was only one set available so it sold for $900 ... I don't wish to sell, but would like to convert them into as HD qualit...
by Caduceus
Thu Mar 01, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2597

Re: [Manuka honey]

How do you use it on eyelids? Do you just dab a tiny amount of pure manuka honey (no dilution) onto the top of the eyelid? Or is it the underside?
by Caduceus
Wed Feb 28, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5071

What age is too old to stop hostelling?

Anyone in their 30s, 40s, 50s, 60s and above still do hostelling instead of staying in hotels? Can you request to be paired with other adults? I think I would have a more pleasant experience if I weren't put in a room with drunk teenagers :D Any tips in this regard? I'm trying to plan out a trip, an...
by Caduceus
Wed Feb 28, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2597

Re: What UN-frugal thing do you do?

I was also curious about raw Australian Manuka Honey, MGO 820+ (NPA 20+) 8.8oz (250g), $39.95, https://www.amazon.com/dp/B01HYIT7PO/_encoding=UTF8?coliid=I2FN687HEKKLFY&colid=1LHCWAARMMAA3&th=1 . It's much cheaper than other brands with this MGO rating/size but it comes from Australia, not New Zeal...
by Caduceus
Mon Feb 26, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2597

Re: What UN-frugal thing do you do?

Every once in a while I stumble on a new source of information and make small changes. Recently, I have come across the benefits of Manuka Honey and purchased MGO 400+ Manuka Honey, 100% Pure New Zealand Honey, 8.8 oz (250 g), for $35.99 on Amazon. I am curious which Manuka Honey you are buying. Ar...
by Caduceus
Sat Feb 24, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 54
Views: 2898

Re: anonymous financial gift to student / best gift card option

The Visa gift card has fees, but if you load a huge amount on it (like $500 or more), it costs like maybe 1% of the loaded amount since the fee itself is fixed. I would say paying $7 for your privacy is a reasonable amount.
by Caduceus
Sat Feb 24, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 4232

Re: What books changed your outlook on how you should invest?

I've gone through several stages. When I first started, I changed my life by reading personal finance books. Books by Jonathan Clements, Jane Bryant Quinn, even David Bach and Dave Ramsey. Then when I became more interested in the mechanics of how to invest, I found John Bogle, the Bogleheads, Burto...
by Caduceus
Sat Feb 24, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 7347

Re: Staying Motivated: How do you ward off hopelessness?

Wake Up . Take Charge. Manage Or Be Managed. Live Beneath Your Means Budget. Save . Invest. Discipline day in day out. Focus on your financial goals and let nothing derail your. There will be bumps in the road, Get Exercise and keep the Body and MIND Sharp Life is supposed to be Tough. Embrace it ....
by Caduceus
Sat Feb 24, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter [2017]
Replies: 47
Views: 4298

Re: Buffett - Stock to Bond ratio

Buffett isn't saying to go 100% stock. He's saying to go to cash or very short-term bonds/treasuries instead of intermediate-term/long-term bonds.

Buffett at various points in history has kept a larger portion of Berkshire's liquid assets in bonds, but not now, because there's no point.
by Caduceus
Sat Feb 24, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37233

Re: What UN-frugal thing do you do?

I buy organic, fresh vegetables and fruits, and wild caught fish, which adds maybe $150 - $200 to my grocery bill than I would otherwise pay. I also intentionally eat a wider variety of things than I would if I didn't try, using food to balance out my nutritional needs. If I'm feeling under the weat...
by Caduceus
Sat Feb 17, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 5264

Re: Best plants to grow to save money for food costs

Thanks for the suggestions! Most plants grow in nature without any extra care, right? They get water if it rains, and none if it doesn't. No human ever touches the majority of plants and yet they survive. I guess I had a fantasy of just planting things and leaving them alone, for the most part, apar...
by Caduceus
Sat Feb 17, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 5264

Best plants to grow to save money for food costs

I would like to start a modest food growing project. I only want to grow things that are relatively expensive to buy at stores but which yet are easy to care for at home. The primary goal is to save on costs. What type of plants would you recommend? Off the top of my mind, I think herbs would probab...
by Caduceus
Wed Feb 14, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6716

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

If you're feeling down because of the cold/lack of sun, I would say it is absolutely worth it. I don't mind having winter weather for two weeks, but that's about the max that I can tolerate.
by Caduceus
Wed Feb 14, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 35
Views: 3931

Re: Warren Buffett Books

I have read The Snowball more than 10 times 8-) and Lowenstein's Buffett probably more than 7 times. That is absolutely incredible!!! You read The Snowball 10 times? Even Lowenstein's more than 7 times? The Snowball is one of my favorite books in the world. I rarely re-read books (let alone that ma...
by Caduceus
Mon Feb 12, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 35
Views: 3931

Re: Warren Buffett Books

I have read The Snowball more than 10 times 8-) and Lowenstein's Buffett probably more than 7 times. Here's my quick review: Schroeder's The Snowball is the definitive biography at this point because it is the only book that is based on actual extensive interviews with the people in Buffett's life, ...
by Caduceus
Mon Feb 12, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: What are the structure problems with whole life insurance?
Replies: 15
Views: 1424

Re: What are the structure problems with whole life insurance?

Well, if the fees for WL were low and transparent, insurance companies would stop offering them because there would be no profit advantage to offering something like term life insurance instead.
by Caduceus
Mon Feb 12, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 4311

Re: Going Paperless Issues

I have gone completely paperless, but I don't use auto-pay, because I need to keep track of the bills as they are due anyway, to check for errors and other things, so the point of time when I make the payment is also when I verify the amount and other details. I think my life is simpler than most of...
by Caduceus
Thu Feb 08, 2018 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Removing personal info on internet
Replies: 10
Views: 1707

Re: Removing personal info on internet

It requires a lot of effort, but you can minimize your internet presence and information leak. The first step is to limit the information sharing at the source. Credit agencies are under more stringent rules now, but there's not much you can do about how much they decide they can share depending on ...
by Caduceus
Tue Feb 06, 2018 3:35 am
Forum: Personal Consumer Issues
Topic: Sent a letter without country
Replies: 6
Views: 732

Sent a letter without country

I was in a huge hurry today and I sent two letters to Australia without putting the country on the address. The rest of the address, including the street, city, postal code, etc. are all fine. Just the country that is missing. The postage amount is also correct, so no issues there. Do you think my l...
by Caduceus
Wed Jan 31, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3544

Re: How to ship two big tubs of butter internationally?

Yes, there is mango puree in it. According to the chef, about 6 oz of mango puree for every 2 lbs of butter, or something like that. I would have assumed butter would go rancid pretty quickly even without the mango. (although perhaps that's because I dont eat butter and have no experience with it.) ...
by Caduceus
Wed Jan 31, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3544

Re: How to ship two big tubs of butter internationally?

Wow, three day shipping for a 1 kg package of butter via Fedex is $130. :(
by Caduceus
Wed Jan 31, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3544

Re: How to ship two big tubs of butter internationally?

Ok, I love my uncle, but I'm not paying $1200 to ship two tubs of butter that only cost $40. Dry ice is complicated for shipping reasons - once you declare it, it's hazardous or something like that and shipping is much more expensive, at least based on what I've read. Are we agreed that Livesoft's s...