Search found 4437 matches

by mptfan
Wed Jun 20, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

Look, as a practical matter, women are looking to minimize their time with lousy dates just like men are. Shoes are a pretty good leading indicator. I disagree with the several here posting variations on "she shouldn't care". Sure, and men shouldn't care about how a woman looks either. Guess what? ...
by mptfan
Wed Jun 20, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 34
Views: 1316

Re: Is technology the reason for low inflation?

Church Lady wrote:
Wed Jun 20, 2018 11:01 am
Medical inflation. Tuition inflation. You'd think these areas would be ripe for technology driven deflation. Correct me if I'm wrong, but we haven't seen it in tuition and health insurance premiums.
I agree, but it's coming.
by mptfan
Wed Jun 20, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 34
Views: 1316

Re: Is technology the reason for low inflation?

rgs92 wrote:
Wed Jun 20, 2018 10:30 am
Thanks for the entertaining post. It was a great read. I enjoyed it. Very nostalgic.
You're welcome. I brainstormed all of the ways that technology has changed my life over the last 20 years and as I was writing the list I surprised myself at how many changes there really were. It is amazing.
by mptfan
Wed Jun 20, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 34
Views: 1316

Re: Is technology the reason for low inflation?

alex_686 wrote:
Wed Jun 20, 2018 9:51 am
Technology allowed us to build bigger faster cars but that does not reduce inflation.
It does if the cars require less fuel and less maintenance than the cars they replaced.
by mptfan
Wed Jun 20, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 34
Views: 1316

Is technology the reason for low inflation?

I have given a lot of thought to why we have been in a period of low inflation for some time and I came to the conclusion that it is primarily because technology has advanced so rapidly in recent years and has made some industries obsolete while greatly reducing the profits in others thereby passing...
by mptfan
Tue Jun 19, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

moehoward wrote:
Tue Jun 19, 2018 4:00 pm
@mptfan,

You realize there is a little tongue and cheek from me
No I didn't, but I do now. :)
by mptfan
Tue Jun 19, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

You're talking chicken and egg scenario. It doesn't matter. Woman will overlook how you dress if they really want you. (and change it later) Now there will be some who are turned off my his attire but remember, it's called dating. From a financial point of view, if he has saved his money and the wo...
by mptfan
Tue Jun 19, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 4089

Re: Do you think it is smart to disclose that you have passive investments to other people?

AlohaJoe wrote:
Tue Jun 19, 2018 2:23 am
I don't think it is smart. I don't think it would build trust. I can't imagine anyway this would come up in the normal course of business.
+1
by mptfan
Tue Jun 19, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

moehoward wrote:
Tue Jun 19, 2018 9:38 am
Your worried about the right shoes for dating? Wow. Don't worry about it. If you do get a steady girlfriend, she will change your wardrobe anyway....
I think he's worried that is current wardrobe may be an impediment to getting a steady girlfriend.
by mptfan
Mon Jun 18, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

I think HongKonger's perspective is a lot less common than she thinks. I agree. Superficial people usually are not aware that they are superficial. I believe many of you talk about your wives not noticing such things. Try talking to some 30 something single gals in the market for a serious chap. We...
by mptfan
Mon Jun 18, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

stoptothink wrote:
Mon Jun 18, 2018 11:41 am
I think HongKonger's perspective is a lot less common than she thinks.
I agree. Superficial people usually are not aware that they are superficial.
by mptfan
Mon Jun 18, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8205

Re: Help Buying Mens Shoes for Work and Dating

HongKonger wrote:
Mon Jun 18, 2018 10:28 am
Its like guys judge other guys by their watch or their car,
I'm a guy and I don't do that.
by mptfan
Sat Jun 16, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Gundlach sees 10 yr yields hitting 6%
Replies: 18
Views: 3153

Re: Gundlach sees 10 yr yields hitting 6%

Predictions are hard, especially about the future.
by mptfan
Sat Jun 16, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 871

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

The data will be available in September, and the IRS will announce the limits for 2019 in October. Yes....If I am doing the math right, the current calculation using CPI laid out in Internal Revenue Code section 219(b)(5)(C) yields a calculation of 5,900+, which I believe means the limit will go fr...
by mptfan
Sat Jun 16, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 871

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

Bogleheads....I am wondering the likelihood of Roth IRA contribution limits increasing to 7K (6K + 1K catchup), and 401K limits going to 25K (19K + 6K catchup) in light of rising inflation. My guess is that it will, but I think this depends on the CPI in August, right? Right. The data will be avail...
by mptfan
Fri Jun 15, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8833

Re: I was rear ended and the other guy wants a payout!

DesertDiva wrote:
Fri Jun 15, 2018 1:34 pm
FYI some people make a career of causing accidents then going after the insurance companies. I wonder if this person has that history.
If his goal was to cause and accident and go after the insurance company, he shouldn't be rear-ending people.
by mptfan
Thu Jun 14, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8833

Re: I was rear ended and the other guy wants a payout!

ved wrote:
Thu Jun 14, 2018 10:46 am
What if a pedestrian darted in front of a car, and the driver had to stop suddenly. If you were behind this car, would you claim that you couldn't stop because the guy in front of you made a "sudden and unexpected stop"?
Assuming I hit the car in front of me, yes, I would.
by mptfan
Thu Jun 14, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8833

Re: I was rear ended and the other guy wants a payout!

There is a presumption that in a rear end impact, the driver of the vehicle from behind is at fault, but it's just a presumption and it can be overcome by other evidence, for example if the vehicle in front pulled out unexpectedly in front of the oncoming vehicle, or if the vehicle in front made a s...
by mptfan
Thu Jun 14, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9342

Re: Timeshare ever worth it? Please share details

To me if you are interested in a timeshare seems you could just buy someones week each year which may ultimately end up being cheaper and ultimately I'm not a huge fan of doing the same vacation each and every year, but some enjoy that. Life is so unpredictable, there's no way I would commit to goi...
by mptfan
Thu Jun 14, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9342

Re: Timeshare ever worth it? Please share details

There is a huge quality of life difference between time-share apartments and hotel rooms. I agree, but there is a similar quality of life difference between non-time share apartments and condos compared to hotel rooms. Try AirBnB or VRBO. No maintenance fees or contracts or long term commitments.
by mptfan
Tue Jun 12, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2797

Re: Would you choose text or email for two-factor authentication?

It was mentioned earlier in the thread -- my solution is to use Google Voice. It is easy to set up (if you already have a US phone number....) and once setup you can access the SMS from anywhere in the world that has an internet connection. Except you should not use Google Voice for SMS 2FA for you...
by mptfan
Tue Jun 12, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2797

Re: Would you choose text or email for two-factor authentication?

Email. I have a Gmail account used for nothing except financial data, and that account itself uses 2FA via Google Authenticator on my iPad. This, except my Gmail account 2FA is a Yubikey (with GA and recovery codes as backup). No recovery phone number is attached to this Gmail account. What is the ...
by mptfan
Mon Jun 11, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2797

Re: Would you choose text or email for two-factor authentication?

Email. I have a Gmail account used for nothing except financial data, and that account itself uses 2FA via Google Authenticator on my iPad. What are the benefits of having a Gmail account used exclusively for financial data? How is that more secure than using your primary Gmail account assuming it ...
by mptfan
Mon Jun 11, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3245

Re: How to convince my co-worker to invest more?

Did your co-worker ask for your advice? If the answer is no, then stay out of it, it's none of your business.
by mptfan
Mon Jun 11, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 449
Views: 99567

Re: Anyone regret paying off mortgage early?

Our mortgage is 30yr fixed at 3.75%, which after tax is ~2.5%. Are you sure about that after tax number? What are your total itemized deductions excluding mortgage interest? The standard deduction has recently been substantially increased which has greatly reduced or eliminated the tax benefits of ...
by mptfan
Sat Jun 09, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3214

Re: Best banks for checking accounts?

txranger wrote:
Sat Jun 09, 2018 8:41 am
I ve also been using fidelity cash management account also very good but Schwab has better customer service.
The OP asked about banks, Fidelity is not a bank.
by mptfan
Thu Jun 07, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 76
Views: 12285

Re: Why Edward Jones?

Investing is not that difficult, and the internet has made it so that you have nearly unlimited resources at your disposal to educate yourself. There really isn't any excuse other than laziness. I get that grandma doesn't know how to use a computer, and simply refuses to learn, but this is the kind...
by mptfan
Wed Jun 06, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: At what point do you lose your privilege to invest (in the U.S.)?
Replies: 24
Views: 2694

Re: At what point do you lose your privilege to invest (in the U.S.)?

AlohaJoe wrote:
Wed Jun 06, 2018 3:22 am
I was using "against the law" in the colloquial sense of according to Federal laws the US Attorney General can apply punishments to you for doing it.
Do you have a source for that?
by mptfan
Tue Jun 05, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - 2 year inflation adjustment gap
Replies: 17
Views: 2136

Re: Social Security - 2 year inflation adjustment gap

Nah, I'm pretty sure I get it. Ok, fair enough. Then perhaps you should be more clear when you use the word "inflation" to refer to wage inflation to avoid causing confusion with people who don't get it, because most people interpret the word "inflation" when used alone as referring to price inflat...
by mptfan
Tue Jun 05, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8585

Re: Don't make the mistake I made (Telemarketing hell)

I've noticed that the robo-calls will wait for you to say "hello" before going into their spiel. so after my initial hello when I first answer, if there is no reply I say "Bueller...Bueller" and if no human response, I just hang up! I no longer say "hello" or anything else when I answer a call from...
by mptfan
Tue Jun 05, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Backpacking in Guatemala and El Salvador?
Replies: 31
Views: 2920

Re: Backpacking in Guatemala and El Salvador?

The safest countries in Central America are 1. Nicaragua 2. Costa Rica ... I would not visit El Salvador. I would visit Nicaragua instead. A hidden gem. Nicaragua is going through a lot of political unrest right now, some describe it as on the brink of calamity... As a mass of unarmed protesters fi...
by mptfan
Tue Jun 05, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3035

Re: WSJ:Social Security Expected to Dip Into Its Reserves This Year

I think it's a copyright violation to copy and republish the entire article.
by mptfan
Tue Jun 05, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: SS calculator for estimated amount $ working min years 40 quarters or fixed # of years
Replies: 12
Views: 947

Re: SS calculator for estimated amount $ working min years 40 quarters or fixed # of years

In the above, though, I assume the word "retiring" really doesn't contribute any meaning; that is regardless of when a person formally retires, the index factors and bend points are set bases on age "achieving" 62. And I suspect some of the language is due to the potential for changing the age of f...
by mptfan
Tue Jun 05, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - 2 year inflation adjustment gap
Replies: 17
Views: 2136

Re: Social Security - 2 year inflation adjustment gap

I had read in the past that the wage adjustment for past earnings is calculated based on age 60 and benefit payment inflation is based on age 62. This would mean that your wage offset is fixed at age 60 and does not go up in following years (although your "Top 35" earnings history may be updated). ...
by mptfan
Mon Jun 04, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8580

Re: is Having more and needing less normal?

For that matter, why ride a bike, when walking or running is free? A bike seems like such a waste of money that could be parked in an index fund, not to mention what the manufacturing of a bike will do to the environment. :wink: I agree, you don't need a bike to exercise, you can walk or run. But r...
by mptfan
Mon Jun 04, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5719

Re: Need advice on 1st international vacation

And don't get me started about condiments. I was at a full service sit down restaurant in Venice, and I ordered hamburger and fries, and when the food came to the table, I realized there was no ketchup,.. Oh man. If you're ordering a hamburger and fries in Venice, you're doing it all wrong. After e...
by mptfan
Mon Jun 04, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5719

Re: Need advice on 1st international vacation

Europeans don't like air conditioning, ice, or cold drinks as much as we do. That is so true! Expect your drinks to be room temperature, or somewhat cool at best, and do not expect ice. Americans are accustomed to free flowing refills of water with ice and iced tea and sometimes soft drinks in full...
by mptfan
Sat Jun 02, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1686

Re: Microsoft Edge versus Chrome

student wrote:
Fri Jun 01, 2018 8:58 pm
My experience is that all browsers perform in a similar way.
All cars perform in a similar way too, but some are clearly better than others.
by mptfan
Sat Jun 02, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1686

Re: Microsoft Edge versus Chrome

I have Windows 10 on my Dell laptop and I have the Microsoft Edge browser. When I prepare to download Chrome, I get this message that says I should stay with Microsoft because it is superior (faster etc.) with Windows 10. Is this just marketing or should I replace Edge with Chrome? What is your exp...
by mptfan
Fri Jun 01, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10517

Re: Why have a savings account at all?

And furthermore, most people are broke and the tow truck operators, court systems, emergency cleanup crews and urgent care people all know this and that's why they all take credit cards now. You can't bail out of jail with a credit card. In the off chance I did something stupid enough, and to then ...
by mptfan
Fri Jun 01, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10517

Re: Why have a savings account at all?

MnD wrote:
Fri Jun 01, 2018 1:58 pm
And furthermore, most people are broke and the tow truck operators, court systems, emergency cleanup crews and urgent care people all know this and that's why they all take credit cards now.
You can't bail out of jail with a credit card.
by mptfan
Fri Jun 01, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13416

Re: Best Advice You Never Took

Cycle wrote:
Fri Jun 01, 2018 3:16 pm
As a result I reached FI at 33 instead of like 31 or 32, and may not hit 2% SAWR until 45.
That sounds awful.
:oops:
by mptfan
Fri Jun 01, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13416

Re: Best Advice You Never Took

Deleted.
by mptfan
Wed May 30, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1765

Re: Hotel Charged on Reservation vs Actual Night Stayed?

http://www.hilton.com/en/hi/info/reservation_rules.jhtml "Check-in/Check-out Policy: Rates quoted are based on check-in date and length of stay shown. Should you depart early prior to the departure date confirmed for any reason, hotels may impose an early departure fee." Marriott also charges a fee...
by mptfan
Wed May 30, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1765

Re: Hotel Charged on Reservation vs Actual Night Stayed?

This is verbatim copy from their reservation confirmation email: "CANCELLATION MUST BE MADE BEFORE 4PM DAY OF ARRIVAL. IF UNSUCCESFUL, YOU WILL BE CHARGED FOR ONE NIGHT." So, really technically I am not canceling reservation, just modifying it. Technically, since you did not cancel before 4PM on th...
by mptfan
Wed May 30, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1765

Re: Hotel Charged on Reservation vs Actual Night Stayed?

What we do is contact the Front Desk Manager (or General Manager) well in advance, usually shortly after making the reservation, and ask them to connect the reservations. Thank you for this tip, I never thought of making multiple reservations and connecting them, I did not know that connecting rese...
by mptfan
Wed May 30, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8749

Re: Router hack, have you acted?

retired recently wrote:
Wed May 30, 2018 4:49 am
We turn ours off every night before going to bed. Hopefully, that provides us with some protection...

Why would folks leave it on if you are sleeping?
Because it's just to much trouble to remmeber to turn a router on and off several times a day, life's too short for that.
by mptfan
Wed May 30, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1765

Re: Hotel Charged on Reservation vs Actual Night Stayed?

onourway wrote:
Wed May 30, 2018 2:56 pm
I would escalate the issue and if they won't budge, write that chain off from your future list of choices.
The OP did not say whether the hotel was part of a chain.
by mptfan
Wed May 30, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1765

Re: Hotel Charged on Reservation vs Actual Night Stayed?

ResearchMed wrote:
Wed May 30, 2018 2:35 pm
Sometimes, we make several sequential one-night reservations to avoid anything like this...
In that situation, do you have to check out and then check back in every day?
by mptfan
Wed May 30, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1765

Re: Hotel Charged on Reservation vs Actual Night Stayed?

You did not change or cancel the reservation within 24 hours before you checked in, so it sounds like according to their policy you got charged for one night as a penalty for a late change. I understand your position...that you canceled the 6th night with more than 24 hours notice...and I am sympath...